Pomanda estimates the enterprise value of LUMIN PENSION SERVICES LIMITED at £86.3k based on a Turnover of £116.9k and 0.74x industry multiple (adjusted for size and gross margin).
lumin pension services limitedEstimated Valuation
£406.1k
Pomanda estimates the enterprise value of LUMIN PENSION SERVICES LIMITED at £406.1k based on an EBITDA of £91.2k and a 4.45x industry multiple (adjusted for size and gross margin).
lumin pension services limitedEstimated Valuation
£2.8k
Pomanda estimates the enterprise value of LUMIN PENSION SERVICES LIMITED at £2.8k based on Net Assets of £1.4k and 1.99x industry multiple (adjusted for liquidity).
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Lumin Pension Services LimitedOverview
Lumin Pension Services Limited is a live company located in london, EC1Y 8NA with a Companies House number of 12658030. It operates in the other activities auxiliary to insurance and pension funding sector, SIC Code 66290. Founded in June 2020, it's largest shareholder is
lumin group limited
with a 100% stake. Lumin Pension Services Limited is a young,
micro sized company, Pomanda has estimated its turnover at
£116.9k with
unknown
growth in recent years.
Pomanda's financial health check has awarded Lumin Pension Services Limited a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 5 areas for improvement. Company Health Check FAQs
Health Rating2.5out of 5
3 Strong
1 Regular
5 Weak
Size
annual sales of £116.9k, make it smaller than the average company (£1.7m)
£116.9k - Lumin Pension Services Limited
£1.7m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- - Lumin Pension Services Limited
- - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
100% - Lumin Pension Services Limited
100% - Industry AVG
Profitability
an operating margin of 78% make it more profitable than the average company (10.2%)
78% - Lumin Pension Services Limited
10.2% - Industry AVG
Employees
with 3 employees, this is below the industry average (9)
3 - Lumin Pension Services Limited
9 - Industry AVG
Pay Structure
on an average salary of £8k, the company has a lower pay structure (£59.8k)
£8k - Lumin Pension Services Limited
£59.8k - Industry AVG
Efficiency
resulting in sales per employee of £39k, this is less efficient (£124.2k)
£39k - Lumin Pension Services Limited
£124.2k - Industry AVG
Debtor Days
it gets paid by customers after 37 days, this is earlier than average (50 days)
37 days - Lumin Pension Services Limited
50 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Lumin Pension Services Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Lumin Pension Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 32 weeks, this is less cash available to meet short term requirements (42 weeks)
32 weeks - Lumin Pension Services Limited
42 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 97.4%, this is a higher level of debt than the average (55.2%)
97.4% - Lumin Pension Services Limited
55.2% - Industry AVG
LUMIN PENSION SERVICES LIMITED financials
EXPORT
Lumin Pension Services Limited's latest turnover from December 2023 is £116.9 thousand and the company has net assets of £1.4 thousand. According to their latest financial statements, Lumin Pension Services Limited has 3 employees and maintains cash reserves of £34 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Dec 2022
Jun 2021
Turnover
116,872
124,475
20,950
Other Income Or Grants
Cost Of Sales
1,987
Gross Profit
116,872
124,475
18,963
Admin Expenses
25,684
28,226
-1,830
Operating Profit
91,188
96,249
20,793
Interest Payable
Interest Receivable
Pre-Tax Profit
91,188
96,249
20,793
Tax
-19,661
-18,287
-3,951
Profit After Tax
71,527
77,962
16,842
Dividends Paid
110,000
55,000
Retained Profit
-38,473
22,962
16,842
Employee Costs
24,046
Number Of Employees
3
3
1
EBITDA*
91,188
96,249
20,793
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Jun 2021
Tangible Assets
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
Stock & work in progress
Trade Debtors
12,140
25,250
20,893
Group Debtors
9,600
Misc Debtors
Cash
34,000
36,161
misc current assets
total current assets
55,740
61,411
20,893
total assets
55,740
61,411
20,893
Bank overdraft
Bank loan
Trade Creditors
3,600
3,951
Group/Directors Accounts
1,259
other short term finances
hp & lease commitments
other current liabilities
49,450
21,507
total current liabilities
54,309
21,507
3,951
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
54,309
21,507
3,951
net assets
1,431
39,904
16,942
total shareholders funds
1,431
39,904
16,942
Dec 2023
Dec 2022
Jun 2021
Operating Activities
Operating Profit
91,188
96,249
20,793
Depreciation
Amortisation
Tax
-19,661
-18,287
-3,951
Stock
Debtors
-3,510
4,357
20,893
Creditors
3,600
-3,951
3,951
Accruals and Deferred Income
27,943
21,507
Deferred Taxes & Provisions
Cash flow from operations
106,580
91,161
-100
Investing Activities
capital expenditure
Change in Investments
cash flow from investments
Financing Activities
Bank loans
Group/Directors Accounts
1,259
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
100
interest
cash flow from financing
1,259
100
cash and cash equivalents
cash
-2,161
36,161
overdraft
change in cash
-2,161
36,161
lumin pension services limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for lumin pension services limited. Get real-time insights into lumin pension services limited's credit score, group structure and payment trends.
Perform a competitor analysis for lumin pension services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in EC1Y area or any other competitors across 12 key performance metrics.
lumin pension services limited Ownership
LUMIN PENSION SERVICES LIMITED group structure
Lumin Pension Services Limited has no subsidiary companies.
The sole shareholder of Lumin Pension Services Limited is Lumin Group Limited.
lumin group limited
100%
lumin pension services limited directors
Lumin Pension Services Limited currently has 3 directors.
The longest serving directors include
Mr Martin Cotter (Jun 2020) and
Ms Sarah Oluwole (Jun 2020).
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to lumin pension services limited.
lumin pension services limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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lumin pension services limitedCompanies House Filings - See Documents
