Pomanda estimates the enterprise value of LOCH FYNE FINANCIAL MANAGEMENT LIMITED at £266.5k based on a Turnover of £481.5k and 0.55x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of LOCH FYNE FINANCIAL MANAGEMENT LIMITED at £336.2k based on an EBITDA of £83k and a 4.05x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of LOCH FYNE FINANCIAL MANAGEMENT LIMITED at £235.5k based on Net Assets of £110.4k and 2.13x industry multiple (adjusted for liquidity).
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Loch Fyne Financial Management LimitedOverview
Loch Fyne Financial Management Limited is a live company located in westhill, AB32 6FL with a Companies House number of SC390114. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in December 2010, it's largest shareholder is
the financial planning group ltd
with a 100% stake. Loch Fyne Financial Management Limited is a established,
micro sized company, Pomanda has estimated its turnover at
£481.5k with
declining
growth in recent years.
Loch Fyne Financial Management Limited Health Check
Pomanda's financial health check has awarded Loch Fyne Financial Management Limited a 4 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 Rating4out of 5
3 Strong
2 Regular
5 Weak
Size
annual sales of £481.5k, make it smaller than the average company (£3.8m)
£481.5k - Loch Fyne Financial Management Limited
£3.8m - Industry AVG
Growth
3 year (CAGR) sales growth of -27%, show it is growing at a slower rate (5.4%)
-27% - Loch Fyne Financial Management Limited
5.4% - Industry AVG
Production
with a gross margin of 38.1%, this company has a comparable cost of product (38.1%)
38.1% - Loch Fyne Financial Management Limited
38.1% - Industry AVG
Profitability
an operating margin of 16.7% make it more profitable than the average company (6%)
16.7% - Loch Fyne Financial Management Limited
6% - Industry AVG
Employees
with 6 employees, this is below the industry average (24)
6 - Loch Fyne Financial Management Limited
24 - Industry AVG
Pay Structure
on an average salary of £48.7k, the company has an equivalent pay structure (£48.7k)
£48.7k - Loch Fyne Financial Management Limited
£48.7k - Industry AVG
Efficiency
resulting in sales per employee of £80.3k, this is less efficient (£153.8k)
£80.3k - Loch Fyne Financial Management Limited
£153.8k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Loch Fyne Financial Management Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (33 days)
0 days - Loch Fyne Financial Management Limited
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Loch Fyne Financial Management Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 59 weeks, this is more cash available to meet short term requirements (24 weeks)
59 weeks - Loch Fyne Financial Management Limited
24 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 51.1%, this is a lower level of debt than the average (61.5%)
51.1% - Loch Fyne Financial Management Limited
61.5% - Industry AVG
LOCH FYNE FINANCIAL MANAGEMENT LIMITED financials
EXPORT
Loch Fyne Financial Management Limited's latest turnover from October 2023 is estimated at £481.5 thousand and the company has net assets of £110.4 thousand. According to their latest financial statements, Loch Fyne Financial Management Limited has 6 employees and maintains cash reserves of £131.7 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Oct 2023
Oct 2022
Oct 2021
May 2021
Apr 2020
Apr 2019
Apr 2018
Apr 2017
Apr 2016
Apr 2015
Apr 2014
Apr 2013
Apr 2012
Turnover
481,533
440,650
269,334
872,093
1,222,061
1,224,000
1,069,892
534,557
226,891
130,671
288,951
364,803
Other Income Or Grants
Cost Of Sales
297,937
272,802
169,730
547,931
762,702
767,835
668,256
328,731
144,167
84,142
185,998
228,177
Gross Profit
183,596
167,849
99,604
324,161
459,359
456,165
401,636
205,827
82,724
46,529
102,953
136,626
Admin Expenses
103,389
222,200
110,423
180,334
453,830
432,462
385,722
218,141
-15,021
80,447
20,631
58,702
133,036
Operating Profit
80,207
-54,351
-10,819
143,827
5,529
23,703
15,914
-12,314
15,021
2,277
25,898
44,251
3,590
Interest Payable
Interest Receivable
5,188
2,140
141
193
158
992
538
310
685
578
557
665
349
Pre-Tax Profit
85,395
-52,211
-10,678
144,020
5,686
24,695
16,452
-12,004
15,706
2,855
26,456
44,916
3,938
Tax
-21,349
-27,364
-1,080
-4,692
-3,126
-3,141
-571
-5,556
-10,331
-945
Profit After Tax
64,046
-52,211
-10,678
116,656
4,606
20,003
13,326
-12,004
12,565
2,284
20,900
34,585
2,993
Dividends Paid
Retained Profit
64,046
-52,211
-10,678
116,656
4,606
20,003
13,326
-12,004
12,565
2,284
20,900
34,585
2,993
Employee Costs
291,958
274,389
172,429
298,937
382,365
374,393
313,600
306,708
76,255
38,211
111,831
111,664
Number Of Employees
6
6
4
7
9
9
8
8
2
1
3
3
EBITDA*
83,006
-49,933
-8,338
150,398
10,464
29,365
19,029
-10,670
21,573
7,898
30,707
48,017
5,967
* Earnings Before Interest, Tax, Depreciation and Amortisation
Oct 2023
Oct 2022
Oct 2021
May 2021
Apr 2020
Apr 2019
Apr 2018
Apr 2017
Apr 2016
Apr 2015
Apr 2014
Apr 2013
Apr 2012
Tangible Assets
3,385
7,803
9,464
10,444
11,588
3,808
6,436
3,081
5,913
8,282
8,920
9,510
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
3,385
7,803
9,464
10,444
11,588
3,808
6,436
3,081
5,913
8,282
8,920
9,510
Stock & work in progress
Trade Debtors
4,160
3,591
5,018
2,160
Group Debtors
587
Misc Debtors
93,466
91,069
93,998
88,798
6,505
2,930
40,167
40,083
5,410
Cash
131,741
65,895
124,365
228,724
157,174
157,989
106,549
108,487
139,444
134,604
96,564
126,409
139,428
misc current assets
total current assets
225,794
156,964
218,363
317,522
163,679
160,919
146,716
148,570
144,854
138,764
100,155
131,427
141,588
total assets
225,794
160,349
226,166
326,986
174,123
172,507
150,524
155,006
147,935
144,677
108,437
140,347
151,098
Bank overdraft
Bank loan
Trade Creditors
360
1,639
1,398
2
73,915
39,959
92,769
138,105
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
115,019
111,698
124,705
99,368
64,865
67,855
65,875
83,681
64,608
total current liabilities
115,379
113,337
126,103
99,368
64,865
67,855
65,875
83,683
64,608
73,915
39,959
92,769
138,105
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
643
1,483
1,704
total long term liabilities
643
1,483
1,704
total liabilities
115,379
113,980
127,586
101,072
64,865
67,855
65,875
83,683
64,608
73,915
39,959
92,769
138,105
net assets
110,415
46,369
98,580
225,914
109,258
104,652
84,649
71,323
83,327
70,762
68,478
47,578
12,993
total shareholders funds
110,415
46,369
98,580
225,914
109,258
104,652
84,649
71,323
83,327
70,762
68,478
47,578
12,993
Oct 2023
Oct 2022
Oct 2021
May 2021
Apr 2020
Apr 2019
Apr 2018
Apr 2017
Apr 2016
Apr 2015
Apr 2014
Apr 2013
Apr 2012
Operating Activities
Operating Profit
80,207
-54,351
-10,819
143,827
5,529
23,703
15,914
-12,314
15,021
2,277
25,898
44,251
3,590
Depreciation
2,799
4,418
2,481
6,571
4,935
5,662
3,115
1,644
6,552
5,621
4,809
3,766
2,377
Amortisation
Tax
-21,349
-27,364
-1,080
-4,692
-3,126
-3,141
-571
-5,556
-10,331
-945
Stock
Debtors
2,984
-2,929
87,493
82,293
3,575
-37,237
84
34,673
1,250
569
-1,427
2,858
2,160
Creditors
-1,279
241
1,398
-2
2
-73,915
33,956
-52,810
-45,336
138,105
Accruals and Deferred Income
3,321
-13,007
59,840
34,503
-2,990
1,980
-17,806
19,073
64,608
Deferred Taxes & Provisions
-643
-840
1,483
1,704
Cash flow from operations
60,072
-60,610
-33,110
76,948
2,819
63,890
-1,989
-26,268
7,875
40,714
-26,232
-10,508
140,967
Investing Activities
capital expenditure
586
160
-5,591
-3,791
-13,442
-487
-4,999
-3,720
-3,252
-4,171
-3,176
-11,887
Change in Investments
cash flow from investments
586
160
-5,591
-3,791
-13,442
-487
-4,999
-3,720
-3,252
-4,171
-3,176
-11,887
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
10,000
interest
5,188
2,140
141
193
158
992
538
310
685
578
557
665
349
cash flow from financing
5,188
2,140
141
193
158
992
538
310
685
578
557
665
10,349
cash and cash equivalents
cash
65,846
-58,470
-32,809
71,550
-815
51,440
-1,938
-30,957
4,840
38,040
-29,845
-13,019
139,428
overdraft
change in cash
65,846
-58,470
-32,809
71,550
-815
51,440
-1,938
-30,957
4,840
38,040
-29,845
-13,019
139,428
loch fyne financial management 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 loch fyne financial management limited. Get real-time insights into loch fyne financial management limited's credit score, group structure and payment trends.
Perform a competitor analysis for loch fyne financial management limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other micro companies, companies in AB32 area or any other competitors across 12 key performance metrics.
loch fyne financial management limited Ownership
LOCH FYNE FINANCIAL MANAGEMENT LIMITED group structure
Loch Fyne Financial Management Limited has no subsidiary companies.
The sole shareholder of Loch Fyne Financial Management Limited is The Financial Planning Group Ltd.
the financial planning group ltd
100%
loch fyne financial management limited directors
Loch Fyne Financial Management Limited currently has 3 directors.
The longest serving directors include
Mr David Gow (May 2021) and
Mr Alexander Robertson (May 2021).
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 1 charges/mortgages relating to loch fyne financial management limited. Currently there are 0 open charges and 1 have been satisfied in the past.
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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loch fyne financial management limitedCompanies House Filings - See Documents
