save & invest (financial planning) limitedEstimated Valuation
£1.7m
Pomanda estimates the enterprise value of SAVE & INVEST (FINANCIAL PLANNING) LIMITED at £1.7m based on a Turnover of £2.1m and 0.81x industry multiple (adjusted for size and gross margin).
save & invest (financial planning) limitedEstimated Valuation
£4.8m
Pomanda estimates the enterprise value of SAVE & INVEST (FINANCIAL PLANNING) LIMITED at £4.8m based on an EBITDA of £1.3m and a 3.7x industry multiple (adjusted for size and gross margin).
save & invest (financial planning) limitedEstimated Valuation
£10.9m
Pomanda estimates the enterprise value of SAVE & INVEST (FINANCIAL PLANNING) LIMITED at £10.9m based on Net Assets of £4.8m and 2.26x industry multiple (adjusted for liquidity).
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Save & Invest (financial Planning) LimitedOverview
Save & Invest (financial Planning) Limited is a live company located in glasgow, G2 2QD with a Companies House number of SC113651. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in September 1988, it's largest shareholder is
save & invest group ltd
with a 100% stake. Save & Invest (financial Planning) Limited is a mature,
small sized company, Pomanda has estimated its turnover at
£2.1m with
healthy
growth in recent years.
Save & Invest (financial Planning) Limited Health Check
Pomanda's financial health check has awarded Save & Invest (Financial Planning) Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 3 areas for improvement. Company Health Check FAQs
Health Rating5out of 5
6 Strong
2 Regular
3 Weak
Size
annual sales of £2.1m, make it smaller than the average company (£3.7m)
£2.1m - Save & Invest (financial Planning) Limited
£3.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (9.8%)
6% - Save & Invest (financial Planning) Limited
9.8% - Industry AVG
Production
with a gross margin of 81.8%, this company has a comparable cost of product (81.8%)
81.8% - Save & Invest (financial Planning) Limited
81.8% - Industry AVG
Profitability
an operating margin of 61.3% make it more profitable than the average company (9.5%)
61.3% - Save & Invest (financial Planning) Limited
9.5% - Industry AVG
Employees
with 21 employees, this is above the industry average (8)
21 - Save & Invest (financial Planning) Limited
8 - Industry AVG
Pay Structure
on an average salary of £71.4k, the company has an equivalent pay structure (£71.4k)
£71.4k - Save & Invest (financial Planning) Limited
£71.4k - Industry AVG
Efficiency
resulting in sales per employee of £100.8k, this is less efficient (£179.8k)
£100.8k - Save & Invest (financial Planning) Limited
£179.8k - Industry AVG
Debtor Days
it gets paid by customers after 12 days, this is earlier than average (32 days)
12 days - Save & Invest (financial Planning) Limited
32 days - Industry AVG
Creditor Days
its suppliers are paid after 103 days, this is slower than average (38 days)
103 days - Save & Invest (financial Planning) Limited
38 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Save & Invest (financial Planning) Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 84 weeks, this is more cash available to meet short term requirements (28 weeks)
84 weeks - Save & Invest (financial Planning) Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 6.3%, this is a lower level of debt than the average (66.6%)
6.3% - Save & Invest (financial Planning) Limited
66.6% - Industry AVG
SAVE & INVEST (FINANCIAL PLANNING) LIMITED financials
EXPORT
Save & Invest (Financial Planning) Limited's latest turnover from June 2024 is estimated at £2.1 million and the company has net assets of £4.8 million. According to their latest financial statements, Save & Invest (Financial Planning) Limited has 21 employees and maintains cash reserves of £524.7 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Jun 2024
Jun 2023
Jun 2022
Jun 2021
Jun 2020
Jun 2019
Jun 2018
Jun 2017
Jun 2016
Jun 2015
Jun 2014
Jun 2013
Jun 2012
Jun 2011
Jun 2010
Turnover
2,117,019
1,914,321
1,892,120
1,793,859
2,023,091
1,957,928
1,788,069
1,649,102
2,118,062
8,795,188
10,247,420
9,441,716
11,528,732
5,008,071
10,258,315
Other Income Or Grants
Cost Of Sales
385,393
491,012
357,246
334,483
351,078
320,044
209,553
283,766
474,682
2,493,481
3,641,488
3,318,026
3,611,146
1,360,452
2,794,348
Gross Profit
1,731,625
1,423,309
1,534,874
1,459,376
1,672,013
1,637,884
1,578,516
1,365,336
1,643,380
6,301,707
6,605,931
6,123,690
7,917,586
3,647,618
7,463,966
Admin Expenses
434,273
203,636
1,217,040
603,705
1,156,655
1,497,817
1,048,560
1,356,247
1,608,203
6,127,175
6,363,415
6,492,088
7,998,189
3,395,930
6,394,171
Operating Profit
1,297,352
1,219,673
317,834
855,671
515,358
140,067
529,956
9,089
35,177
174,532
242,516
-368,398
-80,603
251,688
1,069,795
Interest Payable
Interest Receivable
52,970
87,798
26,187
2,101
1,677
8,435
4,833
2,364
3,581
2,721
2,055
1,764
3,263
3,057
850
Pre-Tax Profit
1,350,323
1,307,471
344,021
857,772
517,036
148,501
534,789
11,453
38,758
177,253
244,571
-366,634
-77,340
254,745
1,070,646
Tax
-337,581
-326,868
-65,364
-162,977
-98,237
-28,215
-101,610
-2,176
-7,751
-35,450
-51,360
-66,234
-299,781
Profit After Tax
1,012,742
980,603
278,657
694,795
418,799
120,286
433,179
9,277
31,006
141,802
193,211
-366,634
-77,340
188,511
770,865
Dividends Paid
Retained Profit
1,012,742
980,603
278,657
694,795
418,799
120,286
433,179
9,277
31,006
141,802
193,211
-366,634
-77,340
188,511
770,865
Employee Costs
1,499,086
1,470,487
1,484,619
1,375,052
1,513,526
1,636,085
1,440,934
1,284,323
1,494,075
2,948,739
3,693,455
3,731,750
3,737,516
1,807,559
3,578,597
Number Of Employees
21
21
23
24
26
27
26
24
25
51
64
70
75
36
76
EBITDA*
1,302,154
1,225,998
322,578
859,933
518,330
143,161
534,330
12,260
45,453
179,532
251,574
-350,651
-58,041
299,240
1,107,180
* Earnings Before Interest, Tax, Depreciation and Amortisation
Jun 2024
Jun 2023
Jun 2022
Jun 2021
Jun 2020
Jun 2019
Jun 2018
Jun 2017
Jun 2016
Jun 2015
Jun 2014
Jun 2013
Jun 2012
Jun 2011
Jun 2010
Tangible Assets
9,577
14,379
20,704
12,169
12,993
8,138
11,232
8,187
9,808
14,775
16,715
23,017
20,120
37,394
59,859
Intangible Assets
1,678
21,818
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
9,577
14,379
20,704
12,169
12,993
8,138
11,232
8,187
9,808
14,775
16,715
23,017
20,120
39,072
81,677
Stock & work in progress
Trade Debtors
71,877
62,681
68,532
57,852
80,733
83,432
94,490
61,502
82,049
851,387
1,002,859
970,248
1,128,150
549,782
920,809
Group Debtors
4,097,979
2,390,412
839,616
662,599
14,260
147,290
506,772
227,837
Misc Debtors
453,386
484,799
431,798
460,915
333,963
347,352
353,892
340,003
319,792
Cash
524,673
1,493,249
2,018,672
2,171,227
2,030,533
1,324,379
924,837
1,008,419
883,038
549,271
539,051
282,878
422,696
882,522
340,194
misc current assets
total current assets
5,147,915
4,431,141
3,358,618
3,352,593
2,459,489
1,902,453
1,879,991
1,409,924
1,512,716
1,400,658
1,541,910
1,253,126
1,550,846
1,432,304
1,261,003
total assets
5,157,492
4,445,520
3,379,322
3,364,762
2,472,482
1,910,591
1,891,223
1,418,111
1,522,524
1,415,433
1,558,625
1,276,143
1,570,966
1,471,376
1,342,680
Bank overdraft
Bank loan
Trade Creditors
109,796
137,234
146,469
214,337
161,184
187,337
149,366
147,467
185,414
531,063
677,648
585,449
602,551
447,186
510,562
Group/Directors Accounts
134,369
154,266
129,693
1,087
9,090
other short term finances
hp & lease commitments
other current liabilities
214,873
486,801
390,888
439,414
445,571
277,549
280,320
222,984
192,838
total current liabilities
324,669
624,035
537,357
653,751
606,755
464,886
564,055
524,717
507,945
531,063
677,648
585,449
603,638
456,276
510,562
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
2,064
3,468
4,551
152,254
1,765
542
2,291
1,696
132,158
32,955
171,364
174,292
84,292
54,724
60,253
total long term liabilities
2,064
3,468
4,551
152,254
1,765
542
2,291
1,696
132,158
32,955
171,364
174,292
84,292
54,724
60,253
total liabilities
326,733
627,503
541,908
806,005
608,520
465,428
566,346
526,413
640,103
564,018
849,012
759,741
687,930
511,000
570,815
net assets
4,830,759
3,818,017
2,837,414
2,558,757
1,863,962
1,445,163
1,324,877
891,698
882,421
851,415
709,613
516,402
883,036
960,376
771,865
total shareholders funds
4,830,759
3,818,017
2,837,414
2,558,757
1,863,962
1,445,163
1,324,877
891,698
882,421
851,415
709,613
516,402
883,036
960,376
771,865
Jun 2024
Jun 2023
Jun 2022
Jun 2021
Jun 2020
Jun 2019
Jun 2018
Jun 2017
Jun 2016
Jun 2015
Jun 2014
Jun 2013
Jun 2012
Jun 2011
Jun 2010
Operating Activities
Operating Profit
1,297,352
1,219,673
317,834
855,671
515,358
140,067
529,956
9,089
35,177
174,532
242,516
-368,398
-80,603
251,688
1,069,795
Depreciation
4,802
6,325
4,744
4,262
2,972
3,094
4,374
3,171
10,276
5,000
9,058
17,747
20,884
27,412
17,245
Amortisation
1,678
20,140
20,140
Tax
-337,581
-326,868
-65,364
-162,977
-98,237
-28,215
-101,610
-2,176
-7,751
-35,450
-51,360
-66,234
-299,781
Stock
Debtors
1,685,350
1,597,946
158,580
752,410
-149,118
-377,080
553,649
-228,173
-221,709
-151,472
32,611
-157,902
578,368
-371,027
920,809
Creditors
-27,438
-9,235
-67,868
53,153
-26,153
37,971
1,899
-37,947
-345,649
-146,585
92,199
-17,102
155,365
-63,376
510,562
Accruals and Deferred Income
-271,928
95,913
-48,526
-6,157
168,022
-2,771
57,336
30,146
192,838
Deferred Taxes & Provisions
-1,404
-1,083
-147,703
150,489
1,223
-1,749
595
-130,462
99,203
-138,409
-2,928
90,000
29,568
-5,529
60,253
Cash flow from operations
-1,021,547
-613,221
-165,463
142,031
712,303
525,477
-61,099
99,994
205,803
10,560
256,874
-119,851
-451,476
535,128
457,405
Investing Activities
capital expenditure
-13,279
-3,438
-7,827
-7,419
-1,550
-5,309
-3,060
-2,756
-20,644
-3,610
-4,947
-119,062
Change in Investments
cash flow from investments
-13,279
-3,438
-7,827
-7,419
-1,550
-5,309
-3,060
-2,756
-20,644
-3,610
-4,947
-119,062
Financing Activities
Bank loans
Group/Directors Accounts
-134,369
-19,897
24,573
129,693
-1,087
-8,003
9,090
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
1,000
interest
52,970
87,798
26,187
2,101
1,677
8,435
4,833
2,364
3,581
2,721
2,055
1,764
3,263
3,057
850
cash flow from financing
52,970
87,798
26,187
2,101
1,677
-125,934
-15,064
26,937
133,274
2,721
2,055
677
-4,740
12,147
1,850
cash and cash equivalents
cash
-968,576
-525,423
-152,555
140,694
706,154
399,542
-83,582
125,381
333,767
10,220
256,173
-139,818
-459,826
542,328
340,194
overdraft
change in cash
-968,576
-525,423
-152,555
140,694
706,154
399,542
-83,582
125,381
333,767
10,220
256,173
-139,818
-459,826
542,328
340,194
save & invest (financial planning) 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 save & invest (financial planning) limited. Get real-time insights into save & invest (financial planning) limited's credit score, group structure and payment trends.
Save & Invest (financial Planning) Limited Competitor Analysis
Perform a competitor analysis for save & invest (financial planning) limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in G 2 area or any other competitors across 12 key performance metrics.
save & invest (financial planning) limited Ownership
SAVE & INVEST (FINANCIAL PLANNING) LIMITED group structure
Save & Invest (Financial Planning) Limited has no subsidiary companies.
SAVE & INVEST (FINANCIAL PLANNING) LIMITED Shareholders
The sole shareholder of Save & Invest (Financial Planning) Limited is Save & Invest Group Ltd.
save & invest group ltd
100%
save & invest (financial planning) limited directors
Save & Invest (Financial Planning) Limited currently has 3 directors.
The longest serving directors include
Ms Mary Marsh (Dec 1989) and
Mr Grant Hotson (Mar 2025).
save & invest (life and pensions) limited (February 2005)
shiragold limited (May 1989)
accountant
JOHNSTON CARMICHAEL LLP
auditor
-
address
100 west regent street, glasgow, G2 2QD
Bank
CLYDESDALE BANK
Legal Advisor
-
save & invest (financial planning) limited Charges & Mortgages
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 found 2 charges/mortgages relating to save & invest (financial planning) limited. Currently there are 0 open charges and 2 have been satisfied in the past.
save & invest (financial planning) 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.
Click to start generating capital raising & share issue transactions for SAVE & INVEST (FINANCIAL PLANNING) LIMITED. This can take several minutes, an email will notify you when this has completed.
save & invest (financial planning) limitedCompanies House Filings - See Documents
