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The Penny Group Holdings Ltd

14251013

active
Private Limited Company
england wales
Companies House
Health Score
71 / 100

Some Concerns

25/30
Filing
10/30
Financial
36/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)
  • 2 outstanding charges (-4)

Details

3RD FLOOR THE COADE, LONDON, SE11 5EL
Incorporated 22/07/2022

Compliance

Last accounts

31/12/2024

group

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 22/07/2025

Due 05/08/2026

On track

Industry

64205
Activities of financial services holding companies

Officers

Mr Clement Edward Cowley

director · Since 22/07/2022

DIRECTOR

BRITISH · ENGLAND · Age 40

Also on 8 other boards

Mr Michael Joseph Elworthy

director · Since 22/07/2022

DIRECTOR

BRITISH · ENGLAND · Age 42

Also on 11 other boards

Mr Graeme Joseph Morrissey

director · Since 22/07/2022

DIRECTOR

BRITISH · ENGLAND · Age 41

Also on 10 other boards

Mr Adam David John Roberts

director · Since 22/07/2022

DIRECTOR

BRITISH · ENGLAND · Age 43

Also on 4 other boards

Charges2 outstanding

Charge
outstanding

SANTANDER UK PLC AS SECURITY TRUSTEE FOR EACH OF ITSELF AND EACH SECURED PARTY

Created 14/08/2024Registered 16/08/2024
Charge
outstanding

SANTANDER UK PLC AS SECURITY TRUSTEE FOR EACH OF ITSELF AND EACH SECURED PARTY

Created 22/08/2022Registered 30/08/2022

CompanyRankvs 1527+ SIC 64205 peers
33

Financial strength31th percentile among SIC peers · 8/25
Employees93th percentile among SIC peers · 14/15
LiquidityCurrent ratio 1× · 12/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength8/25 pts

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

Employees14/15 pts

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

Liquidity12/20 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

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

identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group's or the 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 going c

Key FinancialsYear ending 31/03/2024

Net Worth

£8

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

—

Working capital

Current Assets

£5.0M

Current Liabilities

£5.0M

Fixed Assets

£8

Debtors

£99k

Profit After Tax

£1.7M

4avg. employees

Tax at Year End

Dividends paid£1.1M

Balance Sheet

Bank loans & overdrafts£5.0M
Assets less current liabilities£5.0M
Prepared with Caseware UK (AP4) 2023.0.135

EstimatesDerived

YearCurrent Ratio
20241.00

Derived from filed accounts. Not audited figures.