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Pen Finance Limited

02100819

active
Private Limited Company
Companies House
Health Score
88 / 100

Healthy

30/30
Filing
20/30
Financial
38/40
Risk
  • 1 outstanding charge (-2)

Details

14 KELSEY GATE, BECKENHAM, BR3 6LP
Incorporated 17/02/1987

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64921
64921

Officers

Mr Brian Jaye

director · Since 31/08/1991

CHARTERED ACCOUNTANT

BRITISH · UNITED KINGDOM · Age 88

Also on 5 other boards

Nicholas Jonathan Jaye

director · Since 31/08/1991

DIRECTOR

BRITISH · UNITED KINGDOM · Age 61

Also on 4 other boards

Dr Peter Daniel Jaye

director · Since 31/08/1991

DIRECTOR

BRITISH · ENGLAND · Age 59

Also on 1 other board

Mrs Emma Kathryn Maree

director · Since 31/08/1991

DIRECTOR

BRITISH · UNITED KINGDOM · Age 56

Also on 1 other board

Persons with Significant Control

Mr Brian Jaye

Significant control

British · United Kingdom · Age 88

14, Kelsey Gate, Beckenham, BR3 6LP

Notified 30/06/2016

Charges1 outstanding

charge
outstanding

LLOYDS BANK PLC

Created 28/09/1995Registered 05/10/1995
charge
satisfied

BARCLAYS BANK PLC

Created 20/08/1987Registered 26/08/1987Satisfied 15/12/1995

CompanyRankvs 65+ SIC 64921 peers
68

Financial strength73th percentile among SIC peers · 18/25
Employees68th percentile among SIC peers · 10/15
LiquidityCurrent ratio 2.36× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength18/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees10/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/12/2024

Net Worth

£203k

Balance sheet strength

Cash

Cash in the bank

Net Current Assets

£202k

Working capital

Current Assets

£351k

Current Liabilities

£148k

Fixed Assets

£886

2avg. employees+1

Balance Sheet

Assets less current liabilities£203k
Signed by 1.1.24Prepared with Company Accounts and Tax Online

EstimatesDerived

YearCurrent RatioImplied Profit
20242.36+£25k
20231.78+£13k
20214.11+£5k
20203.90+£5k
20196.00-£16k
20181.67+£699
20171.57

Derived from filed accounts. Not audited figures.