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Penny In The Middle Ltd

13882553

active
Private Limited Company
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Negative net worth (-10)
  • 2 outstanding charges (-4)

Details

25 WITHERINGTON ROAD, LONDON, N5 1PN
Incorporated 31/01/2022

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209
Other letting and operating of own or leased real estate

Officers

Dr. Panagiota Sceales

director · Since 31/01/2022

DOCTOR

BRITISH · ENGLAND · Age 41

Also on 3 other boards

Mr James William Edward Sceales

director · Since 16/06/2022

MINING FINANCE AND ADVISORY

BRITISH · ENGLAND · Age 43

Also on 4 other boards

Persons with Significant Control

Dr. Panagiota Sceales

75–100% shares
75–100% votes
Appoint directors

British · England · Age 41

25, Witherington Road, London, N5 1PN

Notified 31/01/2022

Charges2 outstanding

Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 14/08/2025Registered 15/08/2025
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 29/06/2022Registered 20/06/2024

CompanyRankvs 232823+ SIC 68209 peers
23

Financial strength13th percentile among SIC peers · 3/25
Employees57th percentile among SIC peers · 9/15
LiquidityCurrent ratio 0.01× · 2/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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232823Penny In The Middle Ltd
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How is this score calculated?
Financial strength3/25 pts

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

Employees9/15 pts

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

Liquidity2/20 pts

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

Longevity4/15 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 31/12/2025

Net Worth

-£11k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£9k

Working capital

Current Assets

£7k

Current Liabilities

£516k

Fixed Assets

£495k

1avg. employees

Balance Sheet

Assets less current liabilities£504k
Signed by 1.1.25Prepared with Company Accounts and Tax Online

EstimatesDerived

YearCurrent RatioImplied Profit
20250.01+£0
20250.01-£5k
20240.02+£14k
2023—+£3k
20220.02—

Derived from filed accounts. Not audited figures.