Philip T English International Financial Services Limited
Registered name: PHILIP T ENGLISH INTERNATIONAL FINANCIAL SERVICES LIMITED
Philip T English International Financial Services Limited made £2.4m revenue and £83k profit in the year to 31 Mar 2026.
Philip T English International Financial Services Limited’s revenue grew 2% to £2.4m in the year to 31 Mar 2026, with £83k profit and 9 employees. The company is classified under “life insurance” and is based in Banbury; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- Banbury, South East
- Age
- 40 yrs · since 1986
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Mar 2024 | 31 Mar 2025 | 31 Mar 2026 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £2.1m | £2.4m | £2.4m |
| Cost of sales | £1.1m | £1.3m | £1.4m |
| Gross profit | £992k | £1.1m | £1.1m |
| Profit before tax | £95.2k | £32.8k | £118k |
| Profit after tax | £71.2k | £11.9k | £83k |
| Profit (best available) | £71.2k | £11.9k | £83k |
| Staff costs | £480k | £624k | £553k |
| Employees (average) | 8 | 8 | 9 |
| Ratios | |||
| Profit margin | 3.4% | 0.5% | 3.4% |
| Gross margin | 46.9% | 46.4% | 43.5% |
| Revenue per employee | £265k | £298k | £272k |
| Profit per employee | £8.9k | £1.5k | £9.2k |
| Growth (year on year) | |||
| Revenue growth | — | ▲12.8% | ▲2.4% |
| Profit growth | — | ▼83.3% | ▲596.3% |
| Headcount growth | — | 0% | ▲12.5% |
| Balance sheet — indirect signals, not revenue | |||
| Cash at bank | £341k | £416k | £472k |
| Net assets | £1.8m | £1.8m | £1.9m |
| Fixed assets | £8k | £6.3k | £11.7k |
| Current assets | £1.9m | £2m | £2m |
| Debtors | £955 | £920 | £540 |
| Deferred income | £23k | £102k | £79.1k |
| Cash from operations | −£7.5k | −£98.2k | −£90.2k |
| Source | FullAccounts · bulk data Aug 2025 | FullAccounts · bulk data Aug 2025 | FullAccounts · bulk data Sep 2026 |
How the business works
- Profit margin
- 3.4%
- Profit ÷ revenue.
- Gross margin
- 43.5%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £272k
- Revenue ÷ average employees.
- Profit per employee
- £9.2k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 0.5%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 3.2%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 0%
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- ▲5%
- Now £1.9m
- Cash at bank
- ▲13%
- Now £472k
- Headcount
- ▲13%
- Now 9
- Deferred income
- ▼23%
- Now £79.1k
- Fixed assets
- ▲86%
- Now £11.7k
Deferred income is reported together with accruals in this filing (“accruals and deferred income”), so it is an approximate signal only.
Sources
Latest figures from FullAccounts for the year to 31 Mar 2026 (profit £83k), from the Companies House accounts bulk data published Sep 2026. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.