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Pensave Limited

05465508

active
Private Limited Company
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

DETCHANT, NORTHUMBERLAND, NE70 7PF
Incorporated 27/05/2005

Compliance

Last accounts

31/03/2025

group

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 27/05/2026

Due 10/06/2027

On track

Industry

70100
Activities of head offices
70221
Financial management

Officers

Mr Timothy Wyndam Basil Smalley

secretary · Since 21/10/2005

MANUFACTURER

BRITISH · UNITED KINGDOM · Age 65

Also on 3 other boards

Rosanna Smalley

director · Since 21/10/2005

DIRECTOR

IRISH · UNITED KINGDOM · Age 59

Mr Timothy Wyndam Basil Smalley

director · Since 21/10/2005

MANUFACTURER

BRITISH · UNITED KINGDOM · Age 65

Also on 3 other boards

Mr John Haddon Lovett

director · Since 20/02/2017

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 74

Also on 13 other boards

Persons with Significant Control

Mr Timothy Wyndam Basil Smalley

50–75% shares
50–75% votes
Appoint directors

British · United Kingdom · Age 65

Detchant, Belford, Northumberland, NE70 7PF

Notified 07/04/2016

Charges1 outstanding

charge
outstanding

THE ROYAL BANK OF SCOTLAND PLC

Created 17/11/2005Registered 29/11/2005

CompanyRankvs 825+ SIC 70100 peers
61

Financial strength91th percentile among SIC peers · 23/25
Employees52th percentile among SIC peers · 8/15
LiquidityCurrent ratio 5.7× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength23/25 pts

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

Employees8/15 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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

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

Going Concern Doubt

any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's and parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to

Key FinancialsYear ending 31/03/2025

Net Worth

£3.7M

Balance sheet strength

Cash

£83k

Cash in the bank

Profit Before Tax

£291k

Bottom line earnings

Net Current Assets

£311k

Working capital

Current Assets

£378k

Current Liabilities

£66k

Fixed Assets

£826k

Debtors

£4.2M

Cost of Sales

£16.8M

Admin Expenses

£5.8M

Profit After Tax

£285k

1avg. employees-63

Tax at Year End

Dividends paid-£200k

People Costs

Wages & salaries£3.0M

Balance Sheet

Intangible assets£124k
Assets less current liabilities£1.1M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20255.70+£2.7M
20244.26-£51k
20235.66+£231k
20225.85+£357k
20211.10+£325k
20201.22+£0
20191.25

Derived from filed accounts. Not audited figures.