south west investment group limited
south west investment group limited Company Information
Company Number
02463497
Website
http://swigfinance.co.ukRegistered Address
lowena house glenthorne court, truro business park, threemilest, truro, cornwall, TR4 9NY
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
01872277331
Next Accounts Due
December 2024
Group Structure
View All
Shareholders
-0%
south west investment group limited Estimated Valuation
Pomanda estimates the enterprise value of SOUTH WEST INVESTMENT GROUP LIMITED at £2.9m based on a Turnover of £2.1m and 1.36x industry multiple (adjusted for size and gross margin).
south west investment group limited Estimated Valuation
Pomanda estimates the enterprise value of SOUTH WEST INVESTMENT GROUP LIMITED at £3.9m based on an EBITDA of £725.2k and a 5.37x industry multiple (adjusted for size and gross margin).
south west investment group limited Estimated Valuation
Pomanda estimates the enterprise value of SOUTH WEST INVESTMENT GROUP LIMITED at £6.8m based on Net Assets of £10.1m and 0.68x industry multiple (adjusted for liquidity).
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South West Investment Group Limited Overview
South West Investment Group Limited is a live company located in truro, TR4 9NY with a Companies House number of 02463497. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in January 1990, it's largest shareholder is unknown. South West Investment Group Limited is a mature, small sized company, Pomanda has estimated its turnover at £2.1m with rapid growth in recent years.
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South West Investment Group Limited Health Check
Pomanda's financial health check has awarded South West Investment Group Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 4 areas for improvement. Company Health Check FAQs
6 Strong
1 Regular
4 Weak
Size
annual sales of £2.1m, make it smaller than the average company (£4m)
£2.1m - South West Investment Group Limited
£4m - Industry AVG
Growth
3 year (CAGR) sales growth of 42%, show it is growing at a faster rate (3.9%)
42% - South West Investment Group Limited
3.9% - Industry AVG
Production
with a gross margin of 47.7%, this company has a higher cost of product (61.9%)
47.7% - South West Investment Group Limited
61.9% - Industry AVG
Profitability
an operating margin of 33.1% make it more profitable than the average company (11.5%)
33.1% - South West Investment Group Limited
11.5% - Industry AVG
Employees
with 25 employees, this is above the industry average (13)
25 - South West Investment Group Limited
13 - Industry AVG
Pay Structure
on an average salary of £72.3k, the company has an equivalent pay structure (£72.3k)
- South West Investment Group Limited
£72.3k - Industry AVG
Efficiency
resulting in sales per employee of £85.1k, this is less efficient (£203.9k)
£85.1k - South West Investment Group Limited
£203.9k - Industry AVG
Debtor Days
it gets paid by customers after 7 days, this is earlier than average (30 days)
7 days - South West Investment Group Limited
30 days - Industry AVG
Creditor Days
its suppliers are paid after 12 days, this is quicker than average (38 days)
12 days - South West Investment Group Limited
38 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - South West Investment Group Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 201 weeks, this is more cash available to meet short term requirements (38 weeks)
201 weeks - South West Investment Group Limited
38 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 46.5%, this is a lower level of debt than the average (57.2%)
46.5% - South West Investment Group Limited
57.2% - Industry AVG
SOUTH WEST INVESTMENT GROUP LIMITED financials
South West Investment Group Limited's latest turnover from March 2023 is £2.1 million and the company has net assets of £10.1 million. According to their latest financial statements, South West Investment Group Limited has 25 employees and maintains cash reserves of £4.9 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 2,126,984 | 1,384,787 | 1,046,711 | 749,152 | 634,048 | 573,457 | 825,708 | 1,466,173 | 1,754,129 | 2,714,696 | 6,532,490 | 3,661,479 | 2,099,042 | 2,145,345 |
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cost Of Sales | 1,112,243 | 645,851 | 421,083 | 288,400 | 171,649 | 161,740 | 34,250 | 71,143 | 0 | 0 | 0 | 0 | 0 | |
| Gross Profit | 1,014,741 | 738,936 | 625,628 | 460,752 | 462,399 | 411,717 | 791,458 | 1,395,030 | 2,714,696 | 6,532,490 | 3,661,479 | 2,099,042 | 2,145,345 | |
| Admin Expenses | 311,836 | 543,783 | 1,005,828 | 684,606 | 735,438 | 3,222,242 | 2,395,634 | 1,763,839 | 1,178,289 | 971,367 | 703,971 | 614,332 | 676,881 | |
| Operating Profit | 702,905 | 195,153 | -380,200 | -223,854 | -273,039 | -2,810,525 | -1,604,176 | -368,809 | 465,638 | 1,536,407 | 5,561,123 | 2,957,508 | 1,484,710 | 1,468,464 |
| Interest Payable | 402,000 | 78,420 | 40,538 | 23,143 | 19,552 | 20,386 | 11,551 | 14,892 | 7,221 | 0 | 0 | 0 | 0 | 0 |
| Interest Receivable | 14,538 | 3,019 | 4,006 | 49,284 | 42,358 | 19,245 | 18,367 | 22,967 | 27,923 | 40,729 | 85,010 | 145,921 | 126,541 | 70,495 |
| Pre-Tax Profit | 315,443 | 119,752 | -416,732 | -197,713 | -250,233 | -2,811,666 | -1,597,360 | -373,735 | -367,437 | 553,420 | 5,326,943 | 3,519,234 | 1,029,856 | 1,256,602 |
| Tax | 56,726 | 0 | 0 | 0 | -15,751 | 0 | 0 | 0 | 0 | 387 | -2,667 | 18,031 | 0 | 0 |
| Profit After Tax | 372,169 | 119,752 | -416,732 | -197,713 | -265,984 | -2,811,666 | -1,597,360 | -373,735 | -367,437 | 553,807 | 5,324,276 | 3,537,265 | 1,029,856 | 1,256,602 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Profit | 372,169 | 119,752 | -416,732 | -197,713 | -265,984 | -2,811,666 | -1,597,360 | -373,735 | -367,437 | 553,807 | 5,324,276 | 3,537,265 | 1,029,856 | 1,256,602 |
| Employee Costs | 503,840 | 531,315 | 405,897 | 314,842 | 295,683 | 288,390 | 198,030 | |||||||
| Number Of Employees | 25 | 28 | 27 | 24 | 18 | 17 | 16 | 19 | 17 | 13 | 8 | 8 | 8 | 6 |
| EBITDA* | 725,229 | 207,191 | -356,713 | -190,412 | -251,119 | -2,803,253 | -1,590,364 | -421,068 | 391,243 | 1,455,283 | 5,543,622 | 2,961,248 | 1,486,767 | 1,470,527 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 6,123 | 7,681 | 10,760 | 13,631 | 15,249 | 11,857 | 4,671 | 9,967 | 29,521 | 35,100 | 9,217 | 10,576 | 4,250 | 4,119 |
| Intangible Assets | 49,270 | 23,760 | 6,303 | 14,139 | 26,798 | 37,440 | 15,103 | 23,280 | -67,460 | -157,408 | -247,356 | 0 | 0 | 0 |
| Investments & Other | 14,000 | 14,000 | 14,000 | 14,000 | 14,000 | 14,000 | 14,000 | 0 | 7,937,418 | 8,561,871 | 7,951,013 | 4,276,478 | 1,901,894 | 1,837,965 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 69,393 | 45,441 | 31,063 | 41,770 | 56,047 | 63,297 | 33,774 | 33,247 | 7,899,479 | 8,439,563 | 7,712,874 | 4,287,054 | 1,906,144 | 1,842,084 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 44,183 | 97,746 | 152,566 | 32,683 | 30,476 | 13,430 | 27,550 | 28,374 | 54,767 | 172 | 61,372 | 0 | 359 | 3,696 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 239,674 | 66,837 | 41,924 | 39,891 | 44,600 | 157,041 | 148,948 | 266,392 | 315,039 | 282,764 | 146,864 | 116,214 | 82,623 | 32,197 |
| Cash | 4,855,031 | 10,974,878 | 10,739,731 | 11,349,991 | 11,006,146 | 10,684,372 | 10,503,268 | 9,182,818 | 8,026,802 | 7,757,864 | 9,702,000 | 13,580,837 | 15,835,247 | 16,957,215 |
| misc current assets | 13,630,184 | 8,334,808 | 4,848,506 | 3,425,572 | 0 | 3,159,289 | 4,119,526 | 6,437,980 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 18,769,072 | 19,474,269 | 15,782,727 | 14,848,137 | 13,925,354 | 14,014,132 | 14,799,292 | 15,915,564 | 8,396,608 | 8,040,800 | 9,910,236 | 13,697,051 | 15,918,229 | 16,993,108 |
| total assets | 18,838,465 | 19,519,710 | 15,813,790 | 14,889,907 | 13,981,401 | 14,077,429 | 14,833,066 | 15,948,811 | 16,296,087 | 16,480,363 | 17,623,110 | 17,984,105 | 17,824,373 | 18,835,192 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 110,830 | 77,147 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 1,110,111 | 0 | 0 | 119,856 | 181,031 | 202,597 | 114,756 | 0 | 0 | 0 | 0 | 31,595 | 123,313 | 123,313 |
| Trade Creditors | 39,474 | 40,629 | 33,309 | 44,938 | 39,978 | 51,281 | 84,184 | 85,473 | 85,234 | 75,376 | 30,737 | 38,410 | 40,434 | 47,484 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 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 | 0 | 0 | 0 |
| other current liabilities | 104,510 | 2,668,464 | 2,839,617 | 2,636,983 | 2,872,578 | 2,708,975 | 796,499 | 114,748 | 104,133 | 155,672 | 192,636 | 48,330 | 63,436 | 96,734 |
| total current liabilities | 1,254,095 | 2,709,093 | 2,872,926 | 2,801,777 | 3,093,587 | 2,962,853 | 995,439 | 311,051 | 266,514 | 231,048 | 223,373 | 118,335 | 227,183 | 267,531 |
| loans | 7,501,091 | 7,050,000 | 3,300,000 | 2,030,535 | 650,370 | 331,332 | 183,856 | 298,758 | 282,784 | 0 | 0 | 0 | 31,595 | 254,909 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 2 | 49,509 | 49,508 | 49,507 | 31,643 | 311,459 | 370,320 | 458,191 | 492,245 | 627,334 | 2,311,563 | 8,101,871 | 11,338,961 | 13,115,974 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 7,501,093 | 7,099,509 | 3,349,508 | 2,080,042 | 682,013 | 642,791 | 554,176 | 756,949 | 775,029 | 627,334 | 2,311,563 | 8,101,871 | 11,370,556 | 13,370,883 |
| total liabilities | 8,755,188 | 9,808,602 | 6,222,434 | 4,881,819 | 3,775,600 | 3,605,644 | 1,549,615 | 1,068,000 | 1,041,543 | 858,382 | 2,534,936 | 8,220,206 | 11,597,739 | 13,638,414 |
| net assets | 10,083,277 | 9,711,108 | 9,591,356 | 10,008,088 | 10,205,801 | 10,471,785 | 13,283,451 | 14,880,811 | 15,254,544 | 15,621,981 | 15,088,174 | 9,763,899 | 6,226,634 | 5,196,778 |
| total shareholders funds | 10,083,277 | 9,711,108 | 9,591,356 | 10,008,088 | 10,205,801 | 10,471,785 | 13,283,451 | 14,880,811 | 15,254,544 | 15,621,981 | 15,088,174 | 9,763,899 | 6,226,634 | 5,196,778 |
| Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | 702,905 | 195,153 | -380,200 | -223,854 | -273,039 | -2,810,525 | -1,604,176 | -368,809 | 465,638 | 1,536,407 | 5,561,123 | 2,957,508 | 1,484,710 | 1,468,464 |
| Depreciation | 4,543 | 5,735 | 7,545 | 7,383 | 5,522 | 3,495 | 5,635 | 15,201 | 15,553 | 8,824 | 4,986 | 3,740 | 2,057 | 2,063 |
| Amortisation | 17,781 | 6,303 | 15,942 | 26,059 | 16,398 | 3,777 | 8,177 | -67,460 | -89,948 | -89,948 | -22,487 | 0 | 0 | 0 |
| Tax | 56,726 | 0 | 0 | 0 | -15,751 | 0 | 0 | 0 | 0 | 387 | -2,667 | 18,031 | 0 | 0 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 119,274 | -29,907 | 121,916 | -2,502 | -95,395 | -6,027 | -118,268 | -75,040 | 86,870 | 74,700 | 92,022 | 33,232 | 47,089 | 35,893 |
| Creditors | -1,155 | 7,320 | -11,629 | 4,960 | -11,303 | -32,903 | -1,289 | 239 | 9,858 | 44,639 | -7,673 | -2,024 | -7,050 | 47,484 |
| Accruals and Deferred Income | -2,613,461 | -171,152 | 202,635 | -217,731 | -116,213 | 1,853,615 | 593,880 | -23,439 | -186,628 | -1,721,193 | -5,646,002 | -3,252,196 | -1,810,311 | 13,212,708 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -1,951,935 | 73,266 | -287,623 | -400,681 | -298,991 | -976,514 | -879,505 | -369,228 | 127,603 | -295,584 | -204,742 | -308,173 | -377,683 | 14,694,826 |
| Investing Activities | ||||||||||||||
| capital expenditure | 1,365,099 | 160,396 | -1,689,278 | -3,764,416 | -2,091,440 | -870,215 | 3,378,820 | |||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 14,000 | -7,937,418 | -624,453 | 610,858 | 3,674,535 | 2,374,584 | 63,929 | 1,837,965 |
| cash flow from investments | 9,302,517 | 784,849 | -2,300,136 | -7,438,951 | -4,466,024 | -934,144 | 1,540,855 | |||||||
| Financing Activities | ||||||||||||||
| Bank loans | 1,110,111 | 0 | -119,856 | -61,175 | -21,566 | 87,841 | 114,756 | 0 | 0 | 0 | -31,595 | -91,718 | 0 | 123,313 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 451,091 | 3,750,000 | 1,269,465 | 1,380,165 | 319,038 | 147,476 | -114,902 | 15,974 | 282,784 | 0 | 0 | -31,595 | -223,314 | 254,909 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||||
| interest | -387,462 | -75,401 | -36,532 | 26,141 | 22,806 | -1,141 | 6,816 | 8,075 | 20,702 | 40,729 | 85,010 | 145,921 | 126,541 | 70,495 |
| cash flow from financing | 1,173,740 | 3,674,599 | 1,113,077 | 1,345,131 | 320,278 | 234,176 | 6,670 | 24,051 | 303,486 | 20,729 | 53,414 | 22,608 | -96,773 | 4,388,893 |
| cash and cash equivalents | ||||||||||||||
| cash | -6,119,847 | 235,147 | -610,260 | 343,845 | 321,774 | 181,104 | 1,320,450 | 1,156,016 | 268,938 | -1,944,136 | -3,878,837 | -2,254,410 | -1,121,968 | 16,957,215 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | -110,830 | 33,683 | 77,147 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -6,119,847 | 235,147 | -610,260 | 343,845 | 321,774 | 181,104 | 1,431,280 | 1,122,333 | 191,791 | -1,944,136 | -3,878,837 | -2,254,410 | -1,121,968 | 16,957,215 |
south west investment group limited Credit Report and Business Information
South West Investment Group Limited Competitor Analysis
Perform a competitor analysis for south west investment group limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in TR4 area or any other competitors across 12 key performance metrics.
south west investment group limited Ownership
SOUTH WEST INVESTMENT GROUP LIMITED group structure
South West Investment Group Limited has 3 subsidiary companies.
Ultimate parent company
SOUTH WEST INVESTMENT GROUP LIMITED
02463497
3 subsidiaries
south west investment group limited directors
South West Investment Group Limited currently has 7 directors. The longest serving directors include Mr Peter Duguid (Dec 2016) and Dr Christine Allison (Mar 2021).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Peter Duguid | 70 years | Dec 2016 | - | Director | |
| Dr Christine Allison | United Kingdom | 70 years | Mar 2021 | - | Director |
| Mr Christopher Butters | 59 years | Sep 2022 | - | Director | |
| Ms Rebecca Pritchard | England | 64 years | Sep 2022 | - | Director |
| Mr William Baker | 69 years | Sep 2022 | - | Director | |
| Mr David Brown | 61 years | Sep 2022 | - | Director | |
| Mr David Beaumont | England | 60 years | Feb 2023 | - | Director |
P&L
March 2023turnover
2.1m
+54%
operating profit
702.9k
+260%
gross margin
47.8%
-10.59%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2023net assets
10.1m
+0.04%
total assets
18.8m
-0.03%
cash
4.9m
-0.56%
net assets
Total assets minus all liabilities
south west investment group limited company details
company number
02463497
Type
Private Ltd By Guarantee w/o Share Cap
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
January 1990
age
34
incorporated
UK
accounts
Group
ultimate parent company
previous names
cornwall enterprise board limited (September 1995)
cornwall enterprise board investments limited (January 1990)
last accounts submitted
March 2023
address
lowena house glenthorne court, truro business park, threemilest, truro, cornwall, TR4 9NY
accountant
-
auditor
PKF FRANCIS CLARK
south west investment group 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 did not find charges/mortgages relating to south west investment group limited.
south west investment group limited Companies House Filings - See Documents
| date | description | view/download |
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