penney, ruddy & winter ltd
penney, ruddy & winter ltd Company Information
Company Number
08325152
Next Accounts
Dec 2025
Shareholders
penney & ruddy holdings limited
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
130 buckingham palace road, london, SW1W 9SA
Website
www.prw-chartered.co.ukpenney, ruddy & winter ltd Estimated Valuation
Pomanda estimates the enterprise value of PENNEY, RUDDY & WINTER LTD at £2.3m based on a Turnover of £1.7m and 1.35x industry multiple (adjusted for size and gross margin).
penney, ruddy & winter ltd Estimated Valuation
Pomanda estimates the enterprise value of PENNEY, RUDDY & WINTER LTD at £0 based on an EBITDA of £-52.3k and a 4.67x industry multiple (adjusted for size and gross margin).
penney, ruddy & winter ltd Estimated Valuation
Pomanda estimates the enterprise value of PENNEY, RUDDY & WINTER LTD at £107.8k based on Net Assets of £80.4k and 1.34x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Penney, Ruddy & Winter Ltd Overview
Penney, Ruddy & Winter Ltd is a live company located in london, SW1W 9SA with a Companies House number of 08325152. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in December 2012, it's largest shareholder is penney & ruddy holdings limited with a 100% stake. Penney, Ruddy & Winter Ltd is a established, small sized company, Pomanda has estimated its turnover at £1.7m with high growth in recent years.
Upgrade for unlimited company reports & a free credit check
Penney, Ruddy & Winter Ltd Health Check
Pomanda's financial health check has awarded Penney, Ruddy & Winter Ltd a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 4 areas for improvement. Company Health Check FAQs
2 Strong
4 Regular
4 Weak
Size
annual sales of £1.7m, make it smaller than the average company (£5.2m)
- Penney, Ruddy & Winter Ltd
£5.2m - Industry AVG
Growth
3 year (CAGR) sales growth of 27%, show it is growing at a faster rate (6.6%)
- Penney, Ruddy & Winter Ltd
6.6% - Industry AVG
Production
with a gross margin of 55.6%, this company has a comparable cost of product (55.6%)
- Penney, Ruddy & Winter Ltd
55.6% - Industry AVG
Profitability
an operating margin of -3.5% make it less profitable than the average company (9.3%)
- Penney, Ruddy & Winter Ltd
9.3% - Industry AVG
Employees
with 10 employees, this is similar to the industry average (12)
10 - Penney, Ruddy & Winter Ltd
12 - Industry AVG
Pay Structure
on an average salary of £80k, the company has an equivalent pay structure (£80k)
- Penney, Ruddy & Winter Ltd
£80k - Industry AVG
Efficiency
resulting in sales per employee of £170.2k, this is less efficient (£217.9k)
- Penney, Ruddy & Winter Ltd
£217.9k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Penney, Ruddy & Winter Ltd
- - Industry AVG
Creditor Days
its suppliers are paid after 1 days, this is quicker than average (41 days)
- Penney, Ruddy & Winter Ltd
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Penney, Ruddy & Winter Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 47 weeks, this is more cash available to meet short term requirements (29 weeks)
47 weeks - Penney, Ruddy & Winter Ltd
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 71.4%, this is a similar level of debt than the average (68.4%)
71.4% - Penney, Ruddy & Winter Ltd
68.4% - Industry AVG
PENNEY, RUDDY & WINTER LTD financials
Penney, Ruddy & Winter Ltd's latest turnover from March 2024 is estimated at £1.7 million and the company has net assets of £80.4 thousand. According to their latest financial statements, Penney, Ruddy & Winter Ltd has 10 employees and maintains cash reserves of £178.4 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Dec 2014 | Dec 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 10 | 9 | 9 | 9 | 11 | 10 | 10 | 10 | 10 | ||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Dec 2014 | Dec 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 33,418 | 38,892 | 44,195 | 28,580 | 33,938 | 39,487 | 41,123 | 46,139 | 19,165 | 471 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 50,000 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 33,418 | 38,892 | 44,195 | 28,580 | 33,938 | 89,487 | 41,123 | 46,139 | 19,165 | 471 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 10,252 | 6,950 | 500 | 5,583 | 0 | 0 | 0 | 44,382 | 10,796 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 69,300 | 54,726 | 77,237 | 8,012 | 24,122 | 22,585 | 19,731 | 55,807 | 18,420 | 0 | 0 |
| Cash | 178,437 | 199,538 | 243,781 | 229,759 | 201,250 | 116,373 | 173,957 | 87,019 | 132,304 | 75,444 | 15,963 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 247,737 | 254,264 | 331,270 | 244,721 | 225,872 | 144,541 | 193,688 | 142,826 | 150,724 | 119,826 | 26,759 |
| total assets | 281,155 | 293,156 | 375,465 | 273,301 | 259,810 | 234,028 | 234,811 | 188,965 | 169,889 | 120,297 | 26,759 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 4,101 | 1,900 | 4,809 | 2,831 | 1,294 | 0 | 0 | 0 | 0 | 88,202 | 19,972 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 23,777 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 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 |
| other current liabilities | 189,250 | 155,741 | 164,964 | 127,457 | 87,092 | 115,197 | 137,182 | 100,181 | 98,156 | 0 | 0 |
| total current liabilities | 193,351 | 157,641 | 169,773 | 130,288 | 112,163 | 115,197 | 137,182 | 100,181 | 98,156 | 88,202 | 19,972 |
| loans | 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 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 23,333 | 0 | 0 | 0 |
| provisions | 7,400 | 6,200 | 7,400 | 5,400 | 6,400 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 7,400 | 6,200 | 7,400 | 5,400 | 6,400 | 0 | 0 | 23,333 | 0 | 0 | 0 |
| total liabilities | 200,751 | 163,841 | 177,173 | 135,688 | 118,563 | 115,197 | 137,182 | 123,514 | 98,156 | 88,202 | 19,972 |
| net assets | 80,404 | 129,315 | 198,292 | 137,613 | 141,247 | 118,831 | 97,629 | 65,451 | 71,733 | 32,095 | 6,787 |
| total shareholders funds | 80,404 | 129,315 | 198,292 | 137,613 | 141,247 | 118,831 | 97,629 | 65,451 | 71,733 | 32,095 | 6,787 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Dec 2014 | Dec 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Operating Profit | |||||||||||
| Depreciation | 6,523 | 8,626 | 8,595 | 6,394 | 6,857 | 8,219 | 7,873 | 8,715 | 733 | 236 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | |||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 14,574 | -32,763 | 72,527 | -9,660 | -3,546 | 8,437 | -36,076 | 37,387 | 18,420 | 33,586 | 10,796 |
| Creditors | 2,201 | -2,909 | 1,978 | 1,537 | 1,294 | 0 | 0 | 0 | 0 | 68,230 | 19,972 |
| Accruals and Deferred Income | 33,509 | -9,223 | 37,507 | 40,365 | -28,105 | -21,985 | 37,001 | 2,025 | 98,156 | 0 | 0 |
| Deferred Taxes & Provisions | 1,200 | -1,200 | 2,000 | -1,000 | 6,400 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||
| Investing Activities | |||||||||||
| capital expenditure | |||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | -50,000 | 50,000 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||
| Financing Activities | |||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | -23,777 | 23,777 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 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 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | -23,333 | 23,333 | 0 | 0 | 0 |
| share issue | |||||||||||
| interest | |||||||||||
| cash flow from financing | |||||||||||
| cash and cash equivalents | |||||||||||
| cash | -21,101 | -44,243 | 14,022 | 28,509 | 84,877 | -57,584 | 86,938 | -45,285 | 132,304 | 59,481 | 15,963 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -21,101 | -44,243 | 14,022 | 28,509 | 84,877 | -57,584 | 86,938 | -45,285 | 132,304 | 59,481 | 15,963 |
penney, ruddy & winter ltd Credit Report and Business Information
Penney, Ruddy & Winter Ltd Competitor Analysis
Perform a competitor analysis for penney, ruddy & winter ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in SW1W area or any other competitors across 12 key performance metrics.
penney, ruddy & winter ltd Ownership
PENNEY, RUDDY & WINTER LTD group structure
Penney, Ruddy & Winter Ltd has no subsidiary companies.
Ultimate parent company
PENNEY, RUDDY & WINTER LTD
08325152
penney, ruddy & winter ltd directors
Penney, Ruddy & Winter Ltd currently has 3 directors. The longest serving directors include Mr Peter Ruddy (Jan 2013) and Mr David Penney (Mar 2013).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Peter Ruddy | United Kingdom | 83 years | Jan 2013 | - | Director |
| Mr David Penney | United Kingdom | 48 years | Mar 2013 | - | Director |
| Mr Mark Pearson | 58 years | Apr 2024 | - | Director |
P&L
March 2024turnover
1.7m
+21%
operating profit
-58.8k
0%
gross margin
55.7%
-3.99%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
80.4k
-0.38%
total assets
281.2k
-0.04%
cash
178.4k
-0.11%
net assets
Total assets minus all liabilities
penney, ruddy & winter ltd company details
company number
08325152
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
December 2012
age
13
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
ruddy & winter ltd (August 2013)
accountant
-
auditor
-
address
130 buckingham palace road, london, SW1W 9SA
Bank
-
Legal Advisor
-
penney, ruddy & winter ltd 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 found 1 charges/mortgages relating to penney, ruddy & winter ltd. Currently there are 0 open charges and 1 have been satisfied in the past.
penney, ruddy & winter ltd 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.
Click to start generating capital raising & share issue transactions for PENNEY, RUDDY & WINTER LTD. This can take several minutes, an email will notify you when this has completed.
penney, ruddy & winter ltd Companies House Filings - See Documents
| date | description | view/download |
|---|
