SOUTH WEST INVESTMENT GROUP LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-02-09 (in 9mo)
Last made up 2026-01-26
Watchouts
None on the register
Cash
£6M
+14.1% highest in 3 filed years
Net assets
£11M
+2.4% highest in 3 filed years
Employees
28
+7.7% highest in 3 filed years
Profit before tax
£239K
-24.8% vs 2024
Name history
Renamed 2 times since incorporation
- SOUTH WEST INVESTMENT GROUP LIMITED 1995-09-12 → present
- CORNWALL ENTERPRISE BOARD LIMITED 1990-01-29 → 1995-09-12
- CORNWALL ENTERPRISE BOARD INVESTMENTS LIMITED 1990-01-26 → 1990-01-29
Net assets
7-year trend · vs Financials median
Accounts
7-year trend · latest reflected 2025-03-31
| Metric | Trend | 2019-03-31 | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | £2,915,198 | £2,982,983 | |
| Operating profit | — | — | — | — | — | £1,159,010 | £1,051,713 | |
| Profit before tax | — | — | — | — | — | £317,779 | £238,958 | |
| Net profit | — | — | — | — | £595,411 | £365,359 | £252,787 | |
| Cash | — | — | — | — | £597,079 | £5,084,421 | £5,800,949 | |
| Total assets less current liabilities | — | — | — | — | — | £17,545,434 | £17,244,408 | |
| Net assets | — | — | — | — | £4,104,279 | £10,448,636 | £10,701,423 | |
| Equity | £2,958,868 | £3,208,868 | £3,508,868 | £3,508,868 | £4,104,279 | £10,448,636 | £10,701,423 | |
| Average employees | — | — | — | — | 25 | 26 | 28 | |
| Wages | — | — | — | — | — | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2019-03-31 | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | — | 39.8% | 35.3% | |
| Net margin | — | — | — | — | — | 12.5% | 8.5% | |
| Return on capital employed | — | — | — | — | — | 6.6% | 6.1% | |
| Current ratio | — | — | — | — | — | 7.32x | 7.42x | |
| Interest cover | — | — | — | — | — | 1.33x | 1.25x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- PKF Francis Clark
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Board considers it is appropriate for the accounts to be prepared on an going concern basis for the reasons set out above and especially given the group's strong balance sheet and cash reserves outlined which provides sufficient headroom to deal with any potential loan write offs that may occur in the next 12 months from the date of approval of the financial statements.”
Group structure
- SOUTH WEST INVESTMENT GROUP LIMITED · parent
- South West Investment (Capital) Group Limited 100%
- SWIG CIP Limited 100%
- SWIG SWIF Smaller loans GP Limited 100%
- SWIG 7 Limited 100%
- SWIG Newco Limited 100%
Significant events
- “SWIG is committed to its values-driven approach which ensures we make responsible loans to suitable businesses. We recognise our lending has impact beyond just the money and are proud to report £75.7m (23/24 - £71.5m) of social impact created in 24/25.”
- “The continuation of our Fund Management/Business Support Partner contracts with the British Business Bank (BBB) provides a stable source of capital to be deployed”
- “Additionally, we continue to lend from our own balance sheet with support of Triodos Bank, Unity Trust Bank, Better Society Capital and from South West Loans Fund 2”
- “The total amount of other financial commitments not included in the financial statements was £58,786 (2024: £258,846). Of this amount, £58,786 (2024: £12,516) relates to operating leases for the use of a subsidiary's premises. There were no commitments (2024: £246,330) relating to loan agreements signed before the balance sheet date but not drawn down until after.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 45 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| POOLEY, Nicola Louise | Secretary | 2003-03-24 | — | British |
| ALLISON, Christine Helen, Dr | Director | 2021-03-31 | May 1954 | British |
| BAKER, William Richard | Director | 2022-09-26 | Nov 1954 | British |
| BROWN, David Ian | Director | 2022-09-26 | Dec 1962 | British |
| MCCARTHY, David James | Director | 2025-05-01 | May 1965 | British |
| PARTINGTON, Harry Andrew | Director | 2025-05-01 | May 1966 | British |
| PEACOCK, Carmen | Director | 2025-05-01 | May 1988 | British |
| PRITCHARD, Rebecca Lee | Director | 2022-09-26 | Mar 1960 | British |
| TRUJILLO, Gonzalo Alonso | Director | 2025-05-01 | Jan 1970 | British |
Show 45 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COOPER, John David | Secretary | — | 1995-12-12 |
| KENNAWAY, Ian Munro | Secretary | 1995-12-12 | 2003-03-24 |
| BAWDEN, William Moyle | Director | 1994-06-17 | 1999-03-03 |
| BEAUMONT, David Paul | Director | 2023-02-01 | 2024-12-31 |
| BEAUMONT, David Paul | Director | 2000-12-06 | 2022-03-05 |
| BERRY, John Richard | Director | — | 2009-03-18 |
| BIRD, David George | Director | 2021-06-07 | 2022-09-26 |
| BURLEY, Alexandra Audrey | Director | 2010-01-24 | 2016-10-24 |
| BUTTERS, Christopher Charles | Director | 2022-09-26 | 2025-05-06 |
| CAPLIN, Glenn Kevin | Director | 2010-01-24 | 2023-01-23 |
| CONCHIE, William Kim | Director | 2013-12-17 | 2022-09-26 |
| COOMBS, Richard George | Director | 2013-06-19 | 2023-07-23 |
| COX, Valerie Ann | Director | 1997-07-28 | 1998-01-29 |
| DAVIDSON, Paul Whiteley | Director | 2000-12-06 | 2007-01-18 |
| DE TRAFFORD, Elaine Lesley | Director | 2016-10-24 | 2021-02-25 |
| DUGUID, Peter Winston Gordon | Director | 2016-12-07 | 2025-09-26 |
| ELLIOTT, Frederick Potter | Director | 2002-12-17 | 2007-02-28 |
| FRY, Robert Adam | Director | 2004-05-11 | 2008-08-20 |
| HELLER, Mark John Charles | Director | 2021-02-25 | 2022-09-26 |
| HICHENS, Robert Enys | Director | 2000-12-06 | 2012-12-14 |
| HOARE, Ernest George | Director | 1994-06-17 | 1996-05-01 |
| KIRBY, Peter William | Director | 2001-10-04 | 2004-05-11 |
| LIGHTFOOT, Andrew John | Director | 2005-12-01 | 2015-06-11 |
| LOMAX, Colin | Director | 1996-07-25 | 2002-06-27 |
| MACDOUGALL, Ian Alexander | Director | 2011-04-07 | 2013-01-03 |
| MANNELL, Geoffrey Rohald | Director | 1994-06-17 | 1997-07-28 |
| MARRIOTT, Mark Royston | Director | 2008-08-20 | 2009-02-02 |
| MCCARTHY, Janet Elizabeth | Director | 2003-12-16 | 2005-12-01 |
| MCREYNOLDS, Malachy Andrew Conleth | Director | 2015-09-07 | 2021-03-31 |
| MORRIS, Brinley | Director | 1998-10-01 | 2000-09-29 |
| OWEN, David John | Director | 2010-08-10 | 2019-02-08 |
| PERRATON, John Paul | Director | — | 1997-01-08 |
| PHILP, James Marshall | Director | — | 1993-08-04 |
| PUZEY, Michael Ernest | Director | — | 1996-09-19 |
| SAVILL, David Charles | Director | 2012-09-27 | 2016-12-07 |
| SIMMONS, Albert Frederick Thomas, County Councillor | Director | 1992-04-29 | 1993-01-11 |
| SMITH, Paul Ronald | Director | — | 1994-07-30 |
| SMITH, Stephen William | Director | 2001-10-04 | 2002-06-27 |
| SMITH, Susan | Director | 2002-10-18 | 2003-12-16 |
| STONE, Robert | Director | — | 1994-04-08 |
| TREGAY, Graeme Martin | Director | 1994-06-17 | 1996-04-23 |
| TURNER, Stephen Maurice | Director | 2015-09-07 | 2016-09-30 |
| WILLIAMS, Charles Henry | Director | 1994-06-17 | 2012-04-05 |
| WILSON, Darren | Director | 2006-06-16 | 2007-02-05 |
| WILTON, Mark James | Director | 2019-09-24 | 2022-02-15 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 187 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-01-27 RESOLUTIONS Resolution
- 2023-01-27 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-19 | AA | accounts | Accounts with accounts type group | |
| 2025-10-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-26 | AA | accounts | Accounts with accounts type group | |
| 2025-01-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-11-28 | AA | accounts | Accounts with accounts type group | |
| 2023-08-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-02-14 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-27 | RESOLUTIONS | resolution | Resolution | |
| 2023-01-27 | MA | incorporation | Memorandum articles | |
| 2023-01-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-23 | TM01 | officers | Termination director company with name termination date | |
| 2022-12-15 | AA | accounts | Accounts with accounts type group |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
+2.3%
£2,915,198 £2,982,983
-
Cash
+14.1%
£5,084,421 £5,800,949
highest in 3 filed years
-
Net assets
+2.4%
£10,448,636 £10,701,423
highest in 3 filed years
-
Employees
+7.7%
26 28
highest in 3 filed years
-
Operating profit
-9.3%
£1,159,010 £1,051,713
-
Profit before tax
-24.8%
£317,779 £238,958
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers