sjw finance limited
sjw finance limited Company Information
Company Number
04970309
Website
-Registered Address
first floor healthaid house, marlborough hill, harrow, middlesex, HA1 1UD
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
-
Next Accounts Due
May 2024
Group Structure
View All
Directors
David Walker20 Years
Shareholders
grenfell holdings ltd 100%
sjw finance limited Estimated Valuation
Pomanda estimates the enterprise value of SJW FINANCE LIMITED at £118.3k based on a Turnover of £131.2k and 0.9x industry multiple (adjusted for size and gross margin).
sjw finance limited Estimated Valuation
Pomanda estimates the enterprise value of SJW FINANCE LIMITED at £0 based on an EBITDA of £-235.1k and a 3.88x industry multiple (adjusted for size and gross margin).
sjw finance limited Estimated Valuation
Pomanda estimates the enterprise value of SJW FINANCE LIMITED at £0 based on Net Assets of £-4.8k and 2.15x industry multiple (adjusted for liquidity).
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Sjw Finance Limited Overview
Sjw Finance Limited is a dissolved company that was located in harrow, HA1 1UD with a Companies House number of 04970309. It operated in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in November 2003, it's largest shareholder was grenfell holdings ltd with a 100% stake. The last turnover for Sjw Finance Limited was estimated at £131.2k.
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Sjw Finance Limited Health Check
Pomanda's financial health check has awarded Sjw Finance Limited a 0.5 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 9 areas for improvement. Company Health Check FAQs
0 Strong
1 Regular
9 Weak
Size
annual sales of £131.2k, make it smaller than the average company (£3.4m)
- Sjw Finance Limited
£3.4m - Industry AVG
Growth
3 year (CAGR) sales growth of -63%, show it is growing at a slower rate (1.3%)
- Sjw Finance Limited
1.3% - Industry AVG
Production
with a gross margin of 24%, this company has a higher cost of product (62%)
- Sjw Finance Limited
62% - Industry AVG
Profitability
an operating margin of -179.2% make it less profitable than the average company (10.6%)
- Sjw Finance Limited
10.6% - Industry AVG
Employees
with 2 employees, this is below the industry average (13)
2 - Sjw Finance Limited
13 - Industry AVG
Pay Structure
on an average salary of £68.9k, the company has an equivalent pay structure (£68.9k)
- Sjw Finance Limited
£68.9k - Industry AVG
Efficiency
resulting in sales per employee of £65.6k, this is less efficient (£197.2k)
- Sjw Finance Limited
£197.2k - Industry AVG
Debtor Days
it gets paid by customers after 78 days, this is later than average (32 days)
- Sjw Finance Limited
32 days - Industry AVG
Creditor Days
its suppliers are paid after 7 days, this is quicker than average (43 days)
- Sjw Finance Limited
43 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Sjw Finance Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Sjw Finance Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 116.8%, this is a higher level of debt than the average (56.6%)
116.8% - Sjw Finance Limited
56.6% - Industry AVG
sjw finance limited Credit Report and Business Information
Sjw Finance Limited Competitor Analysis
Perform a competitor analysis for sjw finance limited by selecting its closest rivals and benchmarking them against 12 key performance metrics.
sjw finance limited Ownership
SJW FINANCE LIMITED group structure
Sjw Finance Limited has no subsidiary companies.
sjw finance limited directors
Sjw Finance Limited currently has 1 director, Mr David Walker serving since Nov 2003.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr David Walker | 78 years | Nov 2003 | - | Director |
SJW FINANCE LIMITED financials
Sjw Finance Limited's latest turnover from September 2021 is estimated at £131.2 thousand and the company has net assets of -£4.8 thousand. According to their latest financial statements, Sjw Finance Limited has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | ||||||||||||
| Other Income Or Grants | ||||||||||||
| Cost Of Sales | ||||||||||||
| Gross Profit | ||||||||||||
| Admin Expenses | ||||||||||||
| Operating Profit | ||||||||||||
| Interest Payable | ||||||||||||
| Interest Receivable | ||||||||||||
| Pre-Tax Profit | ||||||||||||
| Tax | ||||||||||||
| Profit After Tax | ||||||||||||
| Dividends Paid | ||||||||||||
| Retained Profit | ||||||||||||
| Employee Costs | ||||||||||||
| Number Of Employees | 2 | 2 | 2 | |||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 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 | 0 | 0 | 0 | 0 | 2,933 | 5,500 | 22,000 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22,000 | 22,000 | 22,000 | 22,000 | 22,000 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 500,000 | 500,000 | 500,000 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 2,933 | 5,500 | 22,000 | 22,000 | 22,000 | 522,000 | 522,000 | 522,000 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 28,317 | 786,901 | 822,494 | 932,998 | 912,022 | 878,739 | 859,017 | 835,744 | 809,074 | 387,871 | 429,232 | 233,443 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7,157 | 13,833 | 13,833 |
| Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5,355 | 22,638 | 67,204 | 19,466 | 21,204 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 28,317 | 786,901 | 822,494 | 932,998 | 912,022 | 878,739 | 859,017 | 841,099 | 831,712 | 462,232 | 462,531 | 268,480 |
| total assets | 28,317 | 786,901 | 822,494 | 932,998 | 914,955 | 884,239 | 881,017 | 863,099 | 853,712 | 984,232 | 984,531 | 790,480 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 2,158 | 9,448 | 11,955 | 13,019 | 11,727 | 656,716 | 642,427 | 624,260 | 611,495 | 739,955 | 724,696 | 552,446 |
| Group/Directors Accounts | 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 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 2,158 | 9,448 | 11,955 | 13,019 | 11,727 | 656,716 | 642,427 | 624,260 | 611,495 | 739,955 | 724,696 | 552,446 |
| loans | 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 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 30,922 | 547,162 | 570,910 | 675,045 | 659,517 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 30,922 | 547,162 | 570,910 | 675,045 | 659,517 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 33,080 | 556,610 | 582,865 | 688,064 | 671,244 | 656,716 | 642,427 | 624,260 | 611,495 | 739,955 | 724,696 | 552,446 |
| net assets | -4,763 | 230,291 | 239,629 | 244,934 | 243,711 | 227,523 | 238,590 | 238,839 | 242,217 | 244,277 | 259,835 | 238,034 |
| total shareholders funds | -4,763 | 230,291 | 239,629 | 244,934 | 243,711 | 227,523 | 238,590 | 238,839 | 242,217 | 244,277 | 259,835 | 238,034 |
| Sep 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 | ||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Tax | ||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -758,584 | -35,593 | -110,504 | 20,976 | 33,283 | 19,722 | 23,273 | 26,670 | -85,954 | -48,037 | 195,789 | 747,276 |
| Creditors | -7,290 | -2,507 | -1,064 | 1,292 | -644,989 | 14,289 | 18,167 | 12,765 | -128,460 | 15,259 | 172,250 | 552,446 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||||||
| Investing Activities | ||||||||||||
| capital expenditure | ||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | -22,000 | 0 | 0 | 0 | 0 | 22,000 |
| cash flow from investments | ||||||||||||
| Financing Activities | ||||||||||||
| Bank loans | 0 | 0 | 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 |
| Other Short Term Loans | 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 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | -516,240 | -23,748 | -104,135 | 15,528 | 659,517 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||
| interest | ||||||||||||
| cash flow from financing | ||||||||||||
| cash and cash equivalents | ||||||||||||
| cash | 0 | 0 | 0 | 0 | 0 | 0 | -5,355 | -17,283 | -44,566 | 47,738 | -1,738 | 21,204 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | 0 | 0 | -5,355 | -17,283 | -44,566 | 47,738 | -1,738 | 21,204 |
P&L
September 2021turnover
131.2k
-90%
operating profit
-235.1k
0%
gross margin
24.1%
-14.42%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2021net assets
-4.8k
-1.02%
total assets
28.3k
-0.96%
cash
0
0%
net assets
Total assets minus all liabilities
sjw finance limited company details
company number
04970309
Type
Private limited with Share Capital
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
November 2003
age
21
accounts
Micro-Entity Accounts
ultimate parent company
previous names
N/A
incorporated
UK
address
first floor healthaid house, marlborough hill, harrow, middlesex, HA1 1UD
last accounts submitted
September 2021
sjw finance 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 sjw finance limited.
sjw finance limited Companies House Filings - See Documents
| date | description | view/download |
|---|
