george stubbs insurance services limited
george stubbs insurance services limited Company Information
Company Number
SC177962
Next Accounts
Dec 2025
Shareholders
jmg gi2 limited
Group Structure
View All
Industry
Non-life insurance
Registered Address
south inch business centre, shore road, perth, perthshire, PH2 8BW
Website
http://gs-group.uk.comgeorge stubbs insurance services limited Estimated Valuation
Pomanda estimates the enterprise value of GEORGE STUBBS INSURANCE SERVICES LIMITED at £3.5m based on a Turnover of £5.4m and 0.65x industry multiple (adjusted for size and gross margin).
george stubbs insurance services limited Estimated Valuation
Pomanda estimates the enterprise value of GEORGE STUBBS INSURANCE SERVICES LIMITED at £13.3m based on an EBITDA of £1.9m and a 7.15x industry multiple (adjusted for size and gross margin).
george stubbs insurance services limited Estimated Valuation
Pomanda estimates the enterprise value of GEORGE STUBBS INSURANCE SERVICES LIMITED at £6.7m based on Net Assets of £4.1m and 1.64x industry multiple (adjusted for liquidity).
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George Stubbs Insurance Services Limited Overview
George Stubbs Insurance Services Limited is a live company located in perth, PH2 8BW with a Companies House number of SC177962. It operates in the non-life insurance sector, SIC Code 65120. Founded in August 1997, it's largest shareholder is jmg gi2 limited with a 100% stake. George Stubbs Insurance Services Limited is a mature, mid sized company, Pomanda has estimated its turnover at £5.4m with declining growth in recent years.
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George Stubbs Insurance Services Limited Health Check
Pomanda's financial health check has awarded George Stubbs Insurance Services Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 2 areas for improvement. Company Health Check FAQs
7 Strong
1 Regular
2 Weak
Size
annual sales of £5.4m, make it larger than the average company (£2.2m)
£5.4m - George Stubbs Insurance Services Limited
£2.2m - Industry AVG
Growth
3 year (CAGR) sales growth of -6%, show it is growing at a slower rate (10.2%)
- George Stubbs Insurance Services Limited
10.2% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
100% - George Stubbs Insurance Services Limited
100% - Industry AVG
Profitability
an operating margin of 33% make it more profitable than the average company (19%)
33% - George Stubbs Insurance Services Limited
19% - Industry AVG
Employees
with 51 employees, this is above the industry average (25)
51 - George Stubbs Insurance Services Limited
25 - Industry AVG
Pay Structure
on an average salary of £47.2k, the company has a lower pay structure (£60.7k)
£47.2k - George Stubbs Insurance Services Limited
£60.7k - Industry AVG
Efficiency
resulting in sales per employee of £105.3k, this is less efficient (£145.4k)
£105.3k - George Stubbs Insurance Services Limited
£145.4k - Industry AVG
Debtor Days
it gets paid by customers after 49 days, this is earlier than average (199 days)
49 days - George Stubbs Insurance Services Limited
199 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - George Stubbs Insurance Services Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - George Stubbs Insurance Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 37 weeks, this is more cash available to meet short term requirements (19 weeks)
37 weeks - George Stubbs Insurance Services Limited
19 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 42.2%, this is a lower level of debt than the average (77.4%)
42.2% - George Stubbs Insurance Services Limited
77.4% - Industry AVG
GEORGE STUBBS INSURANCE SERVICES LIMITED financials
George Stubbs Insurance Services Limited's latest turnover from March 2024 is £5.4 million and the company has net assets of £4.1 million. According to their latest financial statements, George Stubbs Insurance Services Limited has 51 employees and maintains cash reserves of £2.1 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2024 | Mar 2023 | Jun 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | Aug 2015 | Aug 2014 | Aug 2013 | Aug 2012 | Aug 2011 | Aug 2010 | Aug 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 5,370,367 | 4,170,419 | 4,341,028 | |||||||||||||
| Other Income Or Grants | ||||||||||||||||
| Cost Of Sales | ||||||||||||||||
| Gross Profit | 5,370,367 | 4,170,419 | 4,341,028 | |||||||||||||
| Admin Expenses | 3,599,808 | 2,866,221 | 3,434,980 | |||||||||||||
| Operating Profit | 1,770,559 | 1,304,198 | 906,048 | |||||||||||||
| Interest Payable | 610 | 7,562 | 4,870 | |||||||||||||
| Interest Receivable | 85,183 | 12,508 | ||||||||||||||
| Pre-Tax Profit | 1,855,132 | 1,309,144 | 901,178 | |||||||||||||
| Tax | -507,450 | -247,847 | -196,411 | |||||||||||||
| Profit After Tax | 1,347,682 | 1,061,297 | 704,767 | |||||||||||||
| Dividends Paid | 140,000 | |||||||||||||||
| Retained Profit | 1,347,682 | 1,061,297 | 564,767 | |||||||||||||
| Employee Costs | 2,407,885 | 1,872,863 | 1,749,094 | |||||||||||||
| Number Of Employees | 51 | 51 | 48 | 48 | 47 | 50 | 50 | 50 | 45 | 41 | ||||||
| EBITDA* | 1,859,036 | 1,379,443 | 954,916 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Jun 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | Aug 2015 | Aug 2014 | Aug 2013 | Aug 2012 | Aug 2011 | Aug 2010 | Aug 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 65,112 | 34,050 | 51,652 | 73,443 | 82,501 | 100,118 | 94,772 | 82,496 | 84,288 | 114,774 | 1,118,326 | 1,144,401 | 1,137,913 | 1,162,455 | 735,764 | 752,778 |
| Intangible Assets | 355,627 | 419,203 | 466,885 | 178,531 | 210,107 | 123,452 | 148,144 | 164,604 | 185,180 | 8,022 | 22,271 | 36,331 | 97,769 | 17,500 | ||
| Investments & Other | 378,000 | 410,000 | 410,000 | 410,000 | 410,000 | 60,000 | 60,000 | |||||||||
| Debtors (Due After 1 year) | 660,564 | |||||||||||||||
| Total Fixed Assets | 420,739 | 453,253 | 518,537 | 912,538 | 292,608 | 601,570 | 652,916 | 657,100 | 679,468 | 524,774 | 1,126,348 | 1,226,672 | 1,234,244 | 1,260,224 | 735,764 | 770,278 |
| Stock & work in progress | ||||||||||||||||
| Trade Debtors | 726,731 | 809,838 | 510,720 | 10,000 | 86,116 | 311,519 | 320,986 | 313,025 | 312,319 | |||||||
| Group Debtors | 3,691,221 | 1,479,208 | 400,413 | 404,892 | 411,054 | 575,840 | 587,607 | 603,941 | 598,306 | 574,655 | ||||||
| Misc Debtors | 100,793 | 722,758 | 1,605,923 | 421,934 | 520,711 | 410,360 | 430,246 | 229,393 | 139,038 | 111,776 | 407,143 | 345,394 | ||||
| Cash | 2,124,532 | 2,669,569 | 1,714,703 | 217,336 | 1,131 | 809 | 910 | 597 | 247 | 1,011 | 768 | 2 | 164 | 255 | 210 | 154 |
| misc current assets | ||||||||||||||||
| total current assets | 6,643,277 | 5,681,373 | 4,231,759 | 1,044,162 | 932,896 | 987,009 | 1,018,763 | 833,931 | 737,591 | 697,442 | 494,027 | 345,396 | 311,683 | 321,241 | 313,235 | 312,473 |
| total assets | 7,064,016 | 6,134,626 | 4,750,296 | 1,956,700 | 1,225,504 | 1,588,579 | 1,671,679 | 1,491,031 | 1,417,059 | 1,222,216 | 1,620,375 | 1,572,068 | 1,545,927 | 1,581,465 | 1,048,999 | 1,082,751 |
| Bank overdraft | 5,987 | 499,615 | 444,520 | 561,759 | 444,050 | 287,707 | ||||||||||
| Bank loan | ||||||||||||||||
| Trade Creditors | 123,985 | 67,795 | 1,829,590 | 83,157 | 126,338 | 49,558 | 135,264 | 119,216 | 77,072 | 114,310 | 1,236,884 | 1,132,677 | 665,113 | 635,136 | 407,711 | 404,019 |
| Group/Directors Accounts | 32,254 | 455,065 | ||||||||||||||
| other short term finances | 120,000 | 120,000 | ||||||||||||||
| hp & lease commitments | ||||||||||||||||
| other current liabilities | 2,818,546 | 2,757,286 | 1,123,994 | 723,362 | 595,066 | 855,206 | 881,083 | 461,048 | 505,344 | 476,237 | ||||||
| total current liabilities | 2,974,785 | 3,400,146 | 3,073,584 | 806,519 | 727,391 | 1,404,379 | 1,460,867 | 1,142,023 | 1,026,466 | 878,254 | 1,236,884 | 1,132,677 | 665,113 | 635,136 | 407,711 | 404,019 |
| loans | ||||||||||||||||
| hp & lease commitments | ||||||||||||||||
| Accruals and Deferred Income | ||||||||||||||||
| other liabilities | 33,333 | 3,123 | 9,947 | 527,633 | 537,040 | 448,442 | 488,506 | |||||||||
| provisions | 9,239 | 2,170 | 5,699 | 10,602 | 9,820 | 11,306 | 9,682 | 989 | 4,159 | 9,112 | 11,777 | 9,714 | ||||
| total long term liabilities | 9,239 | 2,170 | 5,699 | 43,935 | 9,820 | 11,306 | 9,682 | 989 | 4,159 | 9,112 | 14,900 | 19,661 | 527,633 | 537,040 | 448,442 | 488,506 |
| total liabilities | 2,984,024 | 3,402,316 | 3,079,283 | 850,454 | 737,211 | 1,415,685 | 1,470,549 | 1,143,012 | 1,030,625 | 887,366 | 1,251,784 | 1,152,338 | 1,192,746 | 1,172,176 | 856,153 | 892,525 |
| net assets | 4,079,992 | 2,732,310 | 1,671,013 | 1,106,246 | 488,293 | 172,894 | 201,130 | 348,019 | 386,434 | 334,850 | 368,591 | 419,730 | 353,181 | 409,289 | 192,846 | 190,226 |
| total shareholders funds | 4,079,992 | 2,732,310 | 1,671,013 | 1,106,246 | 488,293 | 172,894 | 201,130 | 348,019 | 386,434 | 334,850 | 368,591 | 419,730 | 353,181 | 409,289 | 192,846 | 190,226 |
| Mar 2024 | Mar 2023 | Jun 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | Aug 2015 | Aug 2014 | Aug 2013 | Aug 2012 | Aug 2011 | Aug 2010 | Aug 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||
| Operating Profit | 1,770,559 | 1,304,198 | 906,048 | |||||||||||||
| Depreciation | 24,901 | 27,563 | 17,222 | 31,332 | 36,626 | 41,618 | 32,826 | 29,393 | 30,440 | 64,028 | 65,989 | 73,746 | 49,278 | 52,483 | 41,595 | 42,290 |
| Amortisation | 63,576 | 47,682 | 31,646 | 31,576 | 23,345 | 24,692 | 16,460 | 20,576 | 20,576 | 8,022 | 14,249 | 42,556 | 78,945 | 58,662 | 17,500 | 12,500 |
| Tax | -507,450 | -247,847 | -196,411 | |||||||||||||
| Stock | ||||||||||||||||
| Debtors | 1,506,941 | 494,748 | 1,029,666 | 555,625 | -54,435 | -31,653 | 184,519 | 95,990 | 40,913 | 203,172 | 147,865 | 33,875 | -9,467 | 7,961 | 706 | 312,319 |
| Creditors | 56,190 | -1,761,795 | 1,746,433 | -43,181 | 76,780 | -85,706 | 16,048 | 42,144 | -37,238 | -1,122,574 | 104,207 | 467,564 | 29,977 | 227,425 | 3,692 | 404,019 |
| Accruals and Deferred Income | 61,260 | 1,633,292 | 400,632 | 128,296 | -260,140 | -25,877 | 420,035 | -44,296 | 29,107 | 476,237 | ||||||
| Deferred Taxes & Provisions | 7,069 | -3,529 | -4,903 | 782 | -1,486 | 1,624 | 8,693 | -3,170 | -4,953 | -2,665 | 2,063 | 9,714 | ||||
| Cash flow from operations | -30,836 | 504,816 | 1,871,001 | |||||||||||||
| Investing Activities | ||||||||||||||||
| capital expenditure | ||||||||||||||||
| Change in Investments | -378,000 | -32,000 | 410,000 | -60,000 | 60,000 | |||||||||||
| cash flow from investments | ||||||||||||||||
| Financing Activities | ||||||||||||||||
| Bank loans | ||||||||||||||||
| Group/Directors Accounts | -422,811 | 455,065 | ||||||||||||||
| Other Short Term Loans | -120,000 | 120,000 | ||||||||||||||
| Long term loans | ||||||||||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||||
| other long term liabilities | -33,333 | 33,333 | -3,123 | -6,824 | -517,686 | -9,407 | 88,598 | -40,064 | 488,506 | |||||||
| share issue | ||||||||||||||||
| interest | 84,573 | 4,946 | -4,870 | |||||||||||||
| cash flow from financing | -458,238 | 460,011 | 81,797 | |||||||||||||
| cash and cash equivalents | ||||||||||||||||
| cash | -545,037 | 954,866 | 1,497,367 | 216,205 | 322 | -101 | 313 | 350 | -764 | 243 | 766 | -162 | -91 | 45 | 56 | 154 |
| overdraft | -5,987 | -493,628 | 55,095 | -117,239 | 117,709 | 156,343 | 287,707 | |||||||||
| change in cash | -545,037 | 954,866 | 1,497,367 | 222,192 | 493,950 | -55,196 | 117,552 | -117,359 | -157,107 | -287,464 | 766 | -162 | -91 | 45 | 56 | 154 |
george stubbs insurance services limited Credit Report and Business Information
George Stubbs Insurance Services Limited Competitor Analysis
Perform a competitor analysis for george stubbs insurance services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in PH2 area or any other competitors across 12 key performance metrics.
george stubbs insurance services limited Ownership
GEORGE STUBBS INSURANCE SERVICES LIMITED group structure
George Stubbs Insurance Services Limited has no subsidiary companies.
Ultimate parent company
1 parent
GEORGE STUBBS INSURANCE SERVICES LIMITED
SC177962
george stubbs insurance services limited directors
George Stubbs Insurance Services Limited currently has 2 directors. The longest serving directors include Mr Sean Fleming (Sep 2019) and Mrs Kathren Wright (Jan 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Sean Fleming | Scotland | 35 years | Sep 2019 | - | Director |
| Mrs Kathren Wright | United Kingdom | 53 years | Jan 2023 | - | Director |
P&L
March 2024turnover
5.4m
+29%
operating profit
1.8m
+36%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
4.1m
+0.49%
total assets
7.1m
+0.15%
cash
2.1m
-0.2%
net assets
Total assets minus all liabilities
george stubbs insurance services limited company details
company number
SC177962
Type
Private limited with Share Capital
industry
65120 - Non-life insurance
incorporation date
August 1997
age
28
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
FORVIS MAZARS LLP
address
south inch business centre, shore road, perth, perthshire, PH2 8BW
Bank
CLYDESDALE BANK
Legal Advisor
-
george stubbs insurance services 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 6 charges/mortgages relating to george stubbs insurance services limited. Currently there are 2 open charges and 4 have been satisfied in the past.
george stubbs insurance 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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george stubbs insurance services limited Companies House Filings - See Documents
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