natwest social & community capital
natwest social & community capital Company Information
Company Number
03901460
Next Accounts
Sep 2025
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Shareholders
-
Group Structure
View All
Contact
Registered Address
250 bishopsgate, london, EC2M 4AA
Website
http://natwest.co.uk/sccnatwest social & community capital Estimated Valuation
Pomanda estimates the enterprise value of NATWEST SOCIAL & COMMUNITY CAPITAL at £2.6m based on a Turnover of £1.9m and 1.37x industry multiple (adjusted for size and gross margin).
natwest social & community capital Estimated Valuation
Pomanda estimates the enterprise value of NATWEST SOCIAL & COMMUNITY CAPITAL at £8.7m based on an EBITDA of £1.7m and a 5.07x industry multiple (adjusted for size and gross margin).
natwest social & community capital Estimated Valuation
Pomanda estimates the enterprise value of NATWEST SOCIAL & COMMUNITY CAPITAL at £16.7m based on Net Assets of £12.7m and 1.31x industry multiple (adjusted for liquidity).
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Natwest Social & Community Capital Overview
Natwest Social & Community Capital is a live company located in london, EC2M 4AA with a Companies House number of 03901460. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in December 1999, it's largest shareholder is unknown. Natwest Social & Community Capital is a mature, small sized company, Pomanda has estimated its turnover at £1.9m with rapid growth in recent years.
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Natwest Social & Community Capital Health Check
Pomanda's financial health check has awarded Natwest Social & Community Capital a 5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 2 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
2 Weak
Size
annual sales of £1.9m, make it smaller than the average company (£5.4m)
£1.9m - Natwest Social & Community Capital
£5.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 80%, show it is growing at a faster rate (5%)
80% - Natwest Social & Community Capital
5% - Industry AVG
Production
with a gross margin of 59.1%, this company has a comparable cost of product (59.1%)
59.1% - Natwest Social & Community Capital
59.1% - Industry AVG
Profitability
an operating margin of 91.3% make it more profitable than the average company (9.1%)
91.3% - Natwest Social & Community Capital
9.1% - Industry AVG
Employees
with 9 employees, this is below the industry average (15)
- Natwest Social & Community Capital
15 - Industry AVG
Pay Structure
on an average salary of £84.1k, the company has an equivalent pay structure (£84.1k)
- Natwest Social & Community Capital
£84.1k - Industry AVG
Efficiency
resulting in sales per employee of £208.6k, this is equally as efficient (£233.3k)
- Natwest Social & Community Capital
£233.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Natwest Social & Community Capital
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Natwest Social & Community Capital
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Natwest Social & Community Capital
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 47701 weeks, this is more cash available to meet short term requirements (36 weeks)
47701 weeks - Natwest Social & Community Capital
36 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 0.1%, this is a lower level of debt than the average (58.7%)
0.1% - Natwest Social & Community Capital
58.7% - Industry AVG
NATWEST SOCIAL & COMMUNITY CAPITAL financials
Natwest Social & Community Capital's latest turnover from December 2023 is £1.9 million and the company has net assets of £12.7 million. According to their latest financial statements, we estimate that Natwest Social & Community Capital has 9 employees and maintains cash reserves of £7.3 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 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 1,877,725 | 245,882 | 267,830 | 320,742 | 375,927 | 377,783 | 373,225 | 479,296 | 396,816 | 10,284,474 | 248,287 | 422,554 | 1,012,344 | 13,106 | 7,487 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 183,740 | 155,974 | 130,926 | 0 | 0 | 0 |
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre-Tax Profit | 1,567,848 | 25,171 | -78,535 | -1,590,985 | 373,631 | -71,530 | -105,765 | 138,311 | 227,316 | 9,562,198 | -101,002 | -26,858 | 970,716 | -36,459 | -27,072 |
| Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 1,567,848 | 25,171 | -78,535 | -1,590,985 | 373,631 | -71,530 | -105,765 | 138,311 | 227,316 | 9,562,198 | -101,002 | -26,858 | 970,716 | -36,459 | -27,072 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Profit | 1,567,848 | 25,171 | -78,535 | -1,590,985 | 373,631 | -71,530 | -105,765 | 138,311 | 227,316 | 9,562,198 | -101,002 | -26,858 | 970,716 | -36,459 | -27,072 |
| Employee Costs | |||||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* |
* 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 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 128 | 258 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 3,315,022 | 2,954,983 | 3,249,051 | 2,814,199 | 2,580,055 | 2,156,117 | 222,150 | 222,150 | 247,750 | 247,750 | 247,750 | 312,750 | 312,750 | 322,750 | 322,750 |
| Debtors (Due After 1 year) | 1,579,487 | 726,897 | 523,538 | 789,786 | 578,625 | 1,076,151 | 2,211,956 | 2,475,065 | 2,972,311 | 2,858,169 | 2,339,372 | 1,801,497 | 627,621 | 719,070 | 324,940 |
| Total Fixed Assets | 4,894,509 | 3,681,880 | 3,772,589 | 3,603,985 | 3,158,680 | 3,232,268 | 2,434,106 | 2,697,215 | 3,220,061 | 3,105,919 | 2,587,250 | 2,114,505 | 940,371 | 1,041,820 | 647,690 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 954,611 | 0 | 0 | 994,508 | 528,290 | 3,349,581 | 153,167 | 10,849 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 479,619 | 84,452 | 225,254 | 1,374,741 | 1,903 | 681,413 | 863,062 | 0 | 0 | 7,145,822 | 3,594 | 313,184 | 112,764 | 32,035 | 357,254 |
| Cash | 7,338,673 | 7,018,582 | 7,054,668 | 6,700,445 | 7,935,461 | 7,790,530 | 8,517,079 | 8,230,188 | 8,035,162 | 1,884,594 | 2,848,080 | 2,206,588 | 1,067,182 | 73,819 | 177,980 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 7,818,292 | 7,103,034 | 7,279,922 | 8,075,186 | 8,891,975 | 8,471,943 | 9,380,141 | 9,224,696 | 8,563,452 | 12,379,997 | 3,004,841 | 2,530,621 | 1,179,946 | 105,854 | 535,234 |
| total assets | 12,712,801 | 10,784,914 | 11,052,511 | 11,679,171 | 12,050,655 | 11,704,211 | 11,814,247 | 11,921,911 | 11,783,513 | 15,485,916 | 5,592,091 | 4,645,126 | 2,120,317 | 1,147,674 | 1,182,924 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,653,774 | 9,500 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 1,000 | 32,584 | 1,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 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 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 8,000 | 8,000 | 5,700 | 957,093 | 5,320 | 33,507 | 5,980 | 7,879 | 7,792 | 283,737 | 20,127 | 57,917 | 6,250 | 4,323 | 3,114 |
| total current liabilities | 8,000 | 8,000 | 6,700 | 989,677 | 6,320 | 33,507 | 5,980 | 7,879 | 7,792 | 3,937,511 | 29,627 | 57,917 | 6,250 | 4,323 | 3,114 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,576,257 | 2,500,000 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,576,257 | 2,500,000 | 0 | 0 | 0 |
| total liabilities | 8,000 | 8,000 | 6,700 | 989,677 | 6,320 | 33,507 | 5,980 | 7,879 | 7,792 | 3,937,511 | 3,605,884 | 2,557,917 | 6,250 | 4,323 | 3,114 |
| net assets | 12,704,801 | 10,776,914 | 11,045,811 | 10,689,494 | 12,044,335 | 11,670,704 | 11,808,267 | 11,914,032 | 11,775,721 | 11,548,405 | 1,986,207 | 2,087,209 | 2,114,067 | 1,143,351 | 1,179,810 |
| total shareholders funds | 12,704,801 | 10,776,914 | 11,045,811 | 10,689,494 | 12,044,335 | 11,670,704 | 11,808,267 | 11,914,032 | 11,775,721 | 11,548,405 | 1,986,207 | 2,087,209 | 2,114,067 | 1,143,351 | 1,179,810 |
| 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 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | |||||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 128 | 130 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 1,247,757 | 62,557 | -1,415,735 | 629,388 | -222,425 | -1,317,454 | -394,555 | -31,028 | -9,852,971 | 10,857,439 | 370,603 | 1,385,145 | -10,720 | 68,911 | 682,194 |
| Creditors | 0 | -1,000 | -31,584 | 31,584 | 1,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 2,300 | -951,393 | 951,773 | -28,187 | 27,527 | -1,899 | 87 | -275,945 | 263,610 | -37,790 | 51,667 | 1,927 | 1,209 | 3,114 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | 0 | 0 | |||||||||||||
| Change in Investments | 360,039 | -294,068 | 434,852 | 234,144 | 423,938 | 1,933,967 | 0 | -25,600 | 0 | 0 | -65,000 | 0 | -10,000 | 0 | 322,750 |
| cash flow from investments | -360,039 | 294,068 | |||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3,653,774 | 3,644,274 | 9,500 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 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 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3,576,257 | 1,076,257 | 2,500,000 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 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 | 0 |
| share issue | |||||||||||||||
| interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -183,740 | -155,974 | -130,926 | 0 | 0 | 0 |
| cash flow from financing | 360,039 | -294,068 | 434,852 | 236,144 | 0 | -66,033 | 0 | 0 | -3,653,774 | -115,723 | 929,783 | 2,369,074 | 0 | 0 | 1,206,882 |
| cash and cash equivalents | |||||||||||||||
| cash | 320,091 | -36,086 | 354,223 | -1,235,016 | 144,931 | -726,549 | 286,891 | 195,026 | 6,150,568 | -963,486 | 641,492 | 1,139,406 | 993,363 | -104,161 | 177,980 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 320,091 | -36,086 | 354,223 | -1,235,016 | 144,931 | -726,549 | 286,891 | 195,026 | 6,150,568 | -963,486 | 641,492 | 1,139,406 | 993,363 | -104,161 | 177,980 |
natwest social & community capital Credit Report and Business Information
Natwest Social & Community Capital Competitor Analysis
Perform a competitor analysis for natwest social & community capital by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in EC2M area or any other competitors across 12 key performance metrics.
natwest social & community capital Ownership
NATWEST SOCIAL & COMMUNITY CAPITAL group structure
Natwest Social & Community Capital has no subsidiary companies.
Ultimate parent company
NATWEST SOCIAL & COMMUNITY CAPITAL
03901460
natwest social & community capital directors
Natwest Social & Community Capital currently has 11 directors. The longest serving directors include Mr Benjamin Smith (Sep 2018) and Mr Stuart Johnstone (Sep 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Benjamin Smith | England | 37 years | Sep 2018 | - | Director |
| Mr Stuart Johnstone | England | 52 years | Sep 2019 | - | Director |
| Mr Andrew Harrison | England | 50 years | Jun 2020 | - | Director |
| Mr Andrew Harrison | England | 50 years | Jun 2020 | - | Director |
| Ms Debra Phillips | England | 39 years | Oct 2020 | - | Director |
| Mr Ash Mohammed | Scotland | 49 years | Sep 2021 | - | Director |
| Mr Ash Mohammed | Scotland | 49 years | Sep 2021 | - | Director |
| Ms Parita Doshi | England | 37 years | Mar 2022 | - | Director |
| Mr John Dixon | United Kingdom | 58 years | Sep 2022 | - | Director |
| Mr Joshua Meek | United Kingdom | 34 years | Sep 2022 | - | Director |
P&L
December 2023turnover
1.9m
+664%
operating profit
1.7m
0%
gross margin
59.2%
-4.71%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
12.7m
+0.18%
total assets
12.7m
+0.18%
cash
7.3m
+0.05%
net assets
Total assets minus all liabilities
natwest social & community capital company details
company number
03901460
Type
Private Limited by guarantee without Share Capital Exempt from using Limited
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
December 1999
age
25
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
December 2023
previous names
rbs social & community capital (December 2020)
rbs group micro finance funds (October 2014)
accountant
-
auditor
BK PLUS AUDIT LIMITED
address
250 bishopsgate, london, EC2M 4AA
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
natwest social & community capital 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 natwest social & community capital.
natwest social & community capital 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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natwest social & community capital Companies House Filings - See Documents
| date | description | view/download |
|---|
