Everyday People Financial Solutions Limited

POWER SEARCH PRICING

SOLUTIONS

everyday people financial solutions limited Company Information

Company Number

SC223606

Next Accounts

Sep 2025

Directors

Debra Nolan

John Storrie

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Shareholders

bpo collections limited

Group Structure

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Industry

Other business support service activities n.e.c.

Registered Address

9 george square, glasgow, G2 1DY

Website

www.finance.arvato.com

everyday people financial solutions limited Estimated Valuation

£9.4m

Pomanda estimates the enterprise value of EVERYDAY PEOPLE FINANCIAL SOLUTIONS LIMITED at £9.4m based on a Turnover of £8.6m and 1.09x industry multiple (adjusted for size and gross margin).

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Everyday People Financial Solutions Limited is a live company located in glasgow, G2 1DY with a Companies House number of SC223606. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in September 2001, it's largest shareholder is bpo collections limited with a 100% stake. Everyday People Financial Solutions Limited is a mature, mid sized company, Pomanda has estimated its turnover at £8.6m with declining growth in recent years.

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Pomanda's financial health check has awarded Everyday People Financial Solutions Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating4.5out of 5

7 Strong

0 Regular

4 Weak

Size

annual sales of £8.6m, make it larger than the average company (£4.8m)

Growth

3 year (CAGR) sales growth of -23%, show it is growing at a slower rate (6.7%)

EXPORT

Everyday People Financial Solutions Limited's latest turnover from December 2023 is £8.6 million and the company has net assets of £2.6 million. According to their latest financial statements, Everyday People Financial Solutions Limited has 291 employees and maintains cash reserves of £2 million as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Feb 2011	Feb 2010
Turnover	8,639,634	24,743,752	23,851,864	19,175,371	13,765,426	8,033,758	21,507,190	17,579,845	33,450,380	28,478,476	14,492,697	16,763,015	15,152,089	17,360,199	16,747,067
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	959,316	2,513,474	14,932,891	12,062,008	8,608,427	5,046,861	13,415,731	10,895,969	21,271,243	18,374,230	9,434,119	10,735,222	9,491,370	10,473,363	10,072,422
Gross Profit	7,680,318	22,230,278	8,918,973	7,113,363	5,156,999	2,986,897	8,091,459	6,683,876	12,179,137	10,104,246	5,058,578	6,027,793	5,660,719	6,886,836	6,674,645
Admin Expenses	17,600,194	24,440,485	9,686,230	7,433,448	6,932,856	3,824,746	11,156,920	13,989,582	15,244,907	10,478,837	6,008,732	4,873,004	3,520,929	5,446,361	4,295,471
Operating Profit	-9,919,876	-2,210,207	-767,257	-320,085	-1,775,857	-837,849	-3,065,461	-7,305,706	-3,065,770	-374,591	-950,154	1,154,789	2,139,790	1,440,475	2,379,174
Interest Payable	294,290	238,436	72,197	23,603	62,169	65,437	135,656	244,012	337,592	221,703	125,135	112,481	56,389	73,283	76,607
Interest Receivable	0	0	8,577	6,498	5,337	1,540	505	6,455	3,545	5,394	9,947	5,158	4,501	9,439	7,717
Pre-Tax Profit	-10,214,166	-2,448,643	-830,877	-337,190	-1,832,689	-901,746	-4,188,652	-7,528,460	-3,586,747	-590,900	-265,342	1,047,466	2,087,902	1,376,631	2,310,284
Tax	9,803	449,013	202,389	97,294	338,450	214,757	576,344	1,461,742	737,193	-111,873	215,076	-268,655	-514,222	-329,547	-656,414
Profit After Tax	-10,204,363	-1,999,630	-628,488	-239,896	-1,494,239	-686,989	-3,612,308	-6,066,718	-2,849,554	-702,773	-50,266	778,811	1,573,680	1,047,084	1,653,870
Dividends Paid	0	0	0	0	0	0	0	0	0	0	119,619	1,485,000	1,300,000	1,026,000	1,081,137
Retained Profit	-10,204,363	-1,999,630	-628,488	-239,896	-1,494,239	-686,989	-3,612,308	-6,066,718	-2,849,554	-702,773	-169,885	-706,189	273,680	21,084	572,733
Employee Costs	10,752,472	14,978,074	14,865,525	13,717,110	9,257,197	2,530,533	15,669,207	15,168,826	22,362,730	16,662,548	8,083,889	8,282,244	6,698,502	8,624,573	7,413,996
Number Of Employees	291	455	466	457	343	101	644	517	854	653	314	348	332	371	342
EBITDA*	-9,724,089	-2,021,372	-611,394	-138,833	-1,337,869	-656,401	-2,549,947	-6,729,137	-2,552,082	54,957	-676,996	1,479,041	2,389,956	1,688,829	2,573,817

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Feb 2011	Feb 2010
Tangible Assets	446,878	513,105	474,439	310,930	374,616	760,118	921,080	837,714	0	1,273,618	474,494	539,579	615,020	791,465	537,784
Intangible Assets	0	43,829	68,981	98,820	125,406	183,017	368,308	543,610	782,561	960,635	0	0	0	0	-120,885
Investments & Other	0	0	0	0	0	0	0	988,040	1,240,360	186,930	2,431,819	2,394,889	286,425	136,425	136,425
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	29,653	0	0	0	0	0	0
Total Fixed Assets	446,878	556,934	543,420	409,750	500,022	943,135	1,289,388	2,369,364	2,052,574	2,421,183	2,906,313	2,934,468	901,445	927,890	553,324
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	1,223,214	4,872,044	6,777,904	4,277,849	8,904,104	6,153,745	3,714,629	2,823,670	7,691,298	6,078,893	1,920,254	2,191,930	1,689,473	1,851,018	1,712,795
Group Debtors	654,216	29,975	2,043	143,705	1,182,808	0	210,707	281,756	15,895,266	16,366,647	317,788	22,886	328,210	36,117	220,044
Misc Debtors	844,116	2,597,567	2,261,649	2,310,372	1,868,112	0	4,729,507	4,158,186	3,196,313	5,626,575	4,505,243	3,548,550	1,662,485	2,803,948	3,447,208
Cash	2,039,290	1,863,934	1,962,056	1,946,559	2,120,641	2,331,875	3,317,713	2,957,589	3,964,539	4,585,735	1,839,541	1,666,028	2,539,552	2,143,695	2,793,637
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	4,760,836	9,363,520	11,003,652	8,678,485	14,075,665	8,485,620	11,972,556	10,221,201	30,747,416	32,657,850	8,582,826	7,429,394	6,219,720	6,834,778	8,173,684
total assets	5,207,714	9,920,454	11,547,072	9,088,235	14,575,687	9,428,755	13,261,944	12,590,565	32,799,990	35,079,033	11,489,139	10,363,862	7,121,165	7,762,668	8,727,008
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	499,951
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1,636,533
Trade Creditors	226,902	717,411	497,339	279,788	195,229	1,890,268	641,228	352,867	29,944,876	1,486,621	1,144,481	1,345,913	832,781	832,908	807,690
Group/Directors Accounts	0	6,513,547	4,753,696	820,193	3,117,151	2,556,250	7,137,974	5,739,667	0	26,893,391	6,922,055	2,355,875	1,107,547	1,410,260	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	36,867	157,876	231,059	151,537
other current liabilities	2,383,832	2,760,005	5,398,416	5,177,950	6,209,768	3,769,908	4,705,080	4,071,708	0	6,554,801	2,208,538	2,241,257	2,895,955	3,307,607	3,496,760
total current liabilities	2,610,734	9,990,963	10,649,451	6,277,931	9,522,148	8,216,426	12,484,282	10,164,242	29,944,876	34,934,813	10,275,074	5,979,912	4,994,159	5,781,834	6,592,471
loans	0	0	0	0	0	0	0	0	0	0	0	3,000,000	0	0	194,444
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	36,867	164,375	144,718
Accruals and Deferred Income	0	0	0	1,194,291	3,211,994	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
provisions	0	100,000	68,500	158,404	144,040	520,585	898,929	1,935,282	2,020,712	450,000	0	0	0	0	0
total long term liabilities	0	100,000	68,500	1,352,695	3,356,034	520,585	898,929	1,935,282	2,020,712	450,000	0	3,000,000	36,867	164,375	339,162
total liabilities	2,610,734	10,090,963	10,717,951	7,630,626	12,878,182	8,737,011	13,383,211	12,099,524	31,965,588	35,384,813	10,275,074	8,979,912	5,031,026	5,946,209	6,931,633
net assets	2,596,980	-170,509	829,121	1,457,609	1,697,505	691,744	-121,267	491,041	834,402	-305,780	1,214,065	1,383,950	2,090,139	1,816,459	1,795,375
total shareholders funds	2,596,980	-170,509	829,121	1,457,609	1,697,505	691,744	-121,267	491,041	834,402	-305,780	1,214,065	1,383,950	2,090,139	1,816,459	1,795,375

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Feb 2011	Feb 2010
Operating Activities
Operating Profit	-9,919,876	-2,210,207	-767,257	-320,085	-1,775,857	-837,849	-3,065,461	-7,305,706	-3,065,770	-374,591	-950,154	1,154,789	2,139,790	1,440,475	2,379,174
Depreciation	185,145	163,683	126,024	144,371	266,602	137,322	320,337	357,108	286,929	254,567	273,158	324,252	250,166	369,239	315,531
Amortisation	10,642	25,152	29,839	36,881	171,386	44,126	195,177	219,461	226,759	174,981	0	0	0	-120,885	-120,888
Tax	9,803	449,013	202,389	97,294	338,450	214,757	576,344	1,461,742	737,193	-111,873	215,076	-268,655	-514,222	-329,547	-656,414
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-4,778,040	-1,542,010	2,309,670	-5,223,098	5,801,279	-2,501,098	1,391,231	-19,548,918	-1,259,585	21,328,830	979,919	2,083,198	-1,699,879	-688,964	5,380,047
Creditors	-490,509	220,072	217,551	84,559	-1,695,039	1,249,040	288,361	-29,592,009	28,458,255	342,140	-201,432	513,132	25,091	25,218	807,690
Accruals and Deferred Income	-376,173	-2,638,411	-973,825	-3,049,521	5,651,854	-935,172	633,372	4,071,708	-6,554,801	4,346,263	-32,719	-654,698	-600,805	-189,153	3,496,760
Deferred Taxes & Provisions	-100,000	31,500	-89,904	14,364	-376,545	-378,344	-1,036,353	-85,430	1,570,712	450,000	0	0	0	0	0
Cash flow from operations	-5,902,928	-2,417,188	-3,564,853	2,230,961	-3,220,428	1,994,978	-3,479,454	-11,324,208	22,918,862	-16,247,343	-1,675,990	-1,014,378	2,999,899	1,884,311	841,806
Investing Activities
capital expenditure	0	0	-289,533	-90,980	5,125	164,805	-423,578	-1,175,332	938,004	-2,189,307	-208,073	-248,811	-448,287	-622,920	-294,281
Change in Investments	0	0	0	0	0	0	-988,040	-252,320	1,053,430	-2,244,889	36,930	2,108,464	150,000	0	136,425
cash flow from investments	0	0	-289,533	-90,980	5,125	164,805	564,462	-923,012	-115,426	55,582	-245,003	-2,357,275	-598,287	-622,920	-430,706
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	-1,636,533	-1,636,533	1,636,533
Group/Directors Accounts	-6,513,547	1,759,851	3,933,503	-2,296,958	560,901	-4,581,724	1,398,307	5,739,667	-26,893,391	19,971,336	4,566,180	1,248,328	1,107,547	1,410,260	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	0	0	0	0	0	0	-3,000,000	3,000,000	-194,444	-194,444	194,444
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	-36,867	-157,876	-101,512	99,179	296,255
other long term liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	12,971,852	1,000,000	0	0	2,500,000	1,500,000	3,000,000	5,723,357	3,989,736	-817,072	0	0	21,084	0	1,222,642
interest	-294,290	-238,436	-63,620	-17,105	-56,832	-63,897	-135,151	-237,557	-334,047	-216,309	-115,188	-107,323	-51,888	-63,844	-68,890
cash flow from financing	6,164,015	2,521,415	3,869,883	-2,314,063	3,004,069	-3,145,621	4,263,156	11,225,467	-23,237,702	18,937,955	1,414,125	3,983,129	-855,746	-385,382	3,280,984
cash and cash equivalents
cash	175,356	-98,122	15,497	-174,082	-211,234	-985,838	360,124	-1,006,950	-621,196	2,746,194	173,513	-873,524	-254,085	-649,942	2,793,637
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	-499,951	-499,951	499,951
change in cash	175,356	-98,122	15,497	-174,082	-211,234	-985,838	360,124	-1,006,950	-621,196	2,746,194	173,513	-873,524	245,866	-149,991	2,293,686

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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EVERYDAY PEOPLE FINANCIAL SOLUTIONS LIMITED group structure

Everyday People Financial Solutions Limited has no subsidiary companies.

Ultimate parent company

EVERYDAY PEOPLE REVENUE CYCLE MANAGEMENT

#0165703

BPO COLLECTIONS LIMITED

SC295285

2 parents

EVERYDAY PEOPLE FINANCIAL SOLUTIONS LIMITED

SC223606

EVERYDAY PEOPLE FINANCIAL SOLUTIONS LIMITED Shareholders

bpo collections limited

100%

Everyday People Financial Solutions Limited currently has 7 directors. The longest serving directors include Mrs Debra Nolan (Jan 2019) and Mr John Storrie (Feb 2019).

officer	country	age	start	end	role
Mrs Debra Nolan	United Kingdom	55 years	Jan 2019	-	Director
Mr John Storrie	Scotland	44 years	Feb 2019	-	Director
Mr David Dishon	England	53 years	May 2019	-	Director
Mr Graham Rankin	Scotland	54 years	Nov 2023	-	Director
Mr Allan Scullion	United Kingdom	57 years	Oct 2024	-	Director
Mr Alasdair Skeoch	United Kingdom	56 years	Oct 2024	-	Director
Mr Barry Brotherston	United Kingdom	49 years	Oct 2024	-	Director

P&L

December 2023

turnover

8.6m

-65%

operating profit

-9.9m

+349%

gross margin

88.9%

-1.05%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

2.6m

-16.23%

total assets

5.2m

-0.48%

cash

+0.09%

net assets

Total assets minus all liabilities

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company number

SC223606

Type

Private limited with Share Capital

industry

82990 - Other business support service activities n.e.c.

incorporation date

September 2001

ultimate parent company

EVERYDAY PEOPLE REVENUE CYCLE MANAGEMENT

previous names

arvato financial solutions limited (December 2023)

arvato regulatory services limited (October 2018)

address

9 george square, glasgow, G2 1DY

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 everyday people financial solutions limited. Currently there are 0 open charges and 2 have been satisfied in the past.

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everyday people financial solutions limited Company Information

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everyday people financial solutions limited Estimated Valuation

everyday people financial solutions limited Estimated Valuation

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