Company Overview
Pen-Life Associates Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 31 May 1989, so this is a well established company. Pen-Life Associates Limited has been in business for 36 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

3 Tudor Court, Opus Avenue, Nether Poppleton, York, YO26 6RS
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Companies House Data
Company NamePEN-LIFE ASSOCIATES LIMITED
Company Number02390548
Registered Office Address3 Tudor Court
 Opus Avenue, Nether Poppleton
 YO26 6RS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/05/1989
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Directors & Members
Show Resigned
Thomas Hughes - Director
(British, 45 years old, born June 1981)
Appointed 05 August 2021
 Active
Deborah Jacobs - Director
(British, 49 years old, born February 1977)
Appointed 05 August 2021
 Active
Nina Wright - Director
(British, 57 years old, born January 1969)
Appointed 05 August 2021
 Active
Secretaries
Show Resigned
Other Company Directorships
Thomas Hughes
PEN-LIFE GROUP LTD
Deborah Jacobs
PEN-LIFE EOT TRUSTEES LIMITED
PEN-LIFE GROUP LTD
Nina Wright
PEN-LIFE GROUP LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 461,158 461,158 544,331
Current Assets 1,187,136 1,187,136 1,187,933
Creditors Due Within One Year 240,673 240,673 430,590
Working Cap 946,463 946,463 757,343
Total Assets Less Current Liabilities 1,407,621 1,407,621 1,301,674
Long-term Liabilities 13,915 13,915 994,762
Net Assets 1,393,706 1,393,706 306,912
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,393,706 1,393,706 306,912
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 28.0% 28.0% 31.4%
Stocks Inventory - - -
Debtors 2.3% 2.3% 7.9%
Cash Bank In Hand 68.8% 68.8% 60.0%
Current Assets 72.0% 72.0% 68.6%
Creditors Due Within One Year 14.6% 14.6% 24.9%
Net Current Assets Liabilities 57.4% 57.4% 43.7%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 84.6% 84.6% 17.7%
Capital Employed - - -
Total Assets Less Current Liabilities 85.4% 85.4% 75.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 4.9 4.9 2.8
Solvency Ratio 6.5 6.5 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 1,648,294 1,648,294 1,732,264
Debt 254,588 254,588 1,425,352
Net Assets/Debt 1,393,706 1,393,706 306,912

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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GREY PROPERTIES LIMITED
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SKELWITH VENTURES (YORK CENTRE) LIMITED
4 Tudor Court, Nether Poppleton, York, YO26 6RS
HETHERTONS SOLICITORS LIMITED
TUDOR COURT OPUS AVENUE, YORK BUSINESS PARK, YORK, NORTH YORKSHIRE, YO26 6RS
YOUR ESTATE PLANNERS LIMITED
3 TUDOR COURT, NETHER POPPLETON, YORK, YO26 6RS
PARK LEISURE 2000 (NORTHUMBERLAND) LIMITED
GLOVERS HOUSE, GLOVERS END, BEXHILL ON SEA, EAST SUSSEX, YO26 6RS
PARK LEISURE 2000 (CORNWALL) LIMITED
GLOVERS HOUSE, GLOVERS END, BEXHILL ON SEA, EAST SUSSEX, YO26 6RS
THE AFFORDABLE LAW COMPANY LIMITED
Tudor Court Opus Avenue, York Business Park, York, North Yorkshire, YO26 6RS
HETHERTONS LLP
TUDOR COURT OPUS AVENUE, YORK BUSINESS PARK, YORK, NORTH YORKSHIRE, YO26 6RS
Document Filings
Confirmation statement made on 31 May 2025 with no updates
Termination of appointment of Bernadette Ann Render as a director on 21 August 2024
Confirmation statement made on 31 May 2024 with updates
Confirmation statement made on 31 May 2023 with updates
Memorandum and Articles of Association
Resolutions
Annual return made up to 31 May 2004 with full list of shareholders
Annual return made up to 31 May 2008 with full list of shareholders
Annual return made up to 31 May 2005 with full list of shareholders
Annual return made up to 31 May 2003 with full list of shareholders
Annual return made up to 31 May 2002 with full list of shareholders
Statement of capital following an allotment of shares on 22 April 2002
Confirmation statement made on
Change of share class name or designation
Second filing of a statement of capital following an allotment of shares on 1 August 2018
Second filing of the annual return made up to 31 May 2010
Second filing of the annual return made up to 31 May 2011
Second filing of the annual return made up to 31 May 2012
Second filing of the annual return made up to 31 May 2013
Second filing of the annual return made up to 31 May 2014
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