Company Overview
Pearl Life Holdings Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 11 October 2002, so this is a well established company. Pearl Life Holdings Limited has been in business for 23 years and 5 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 Wythall Green Way, Wythall, Birmingham, B47 6WG
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Companies House Data
Company NamePEARL LIFE HOLDINGS LIMITED
Company Number04560778
Registered Office Address1 Wythall Green Way
 Wythall
 B47 6WG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/10/2002
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date28/10/2016
Returns Last Made Up Date30/09/2015
Previous Company NameChanged Date
RESOLUTION LIFE LIMITED01 May 2008
Directors & Members
Show Resigned
Ian Breingan - Director
(British, 43 years old, born February 1983)
Appointed 31 March 2026
 Active
Pearl Group Secretariat Services Limited - Secretary
Appointed 01 September 2006
 Active
Secretaries
Show Resigned
Pearl Group Secretariat Services Limited - Secretary
Appointed 01 September 2006
 Active
Other Company Directorships
Ian Breingan
PEARL GROUP HOLDINGS (NO. 2) LIMITED
PGMS (GLASGOW) LIMITED
PGS 2 LIMITED
PHOENIX LIFE HOLDINGS LIMITED
REASSURE MIDCO LIMITED
SCOTTISH MUTUAL ASSURANCE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Balance Sheet
Fixed Assets 6,546,200,000 6,546,200,000 6,299,600,000
Current Assets 590,700,000 590,700,000 240,800,000
Creditors Due Within One Year 606,200,000 606,200,000 623,200,000
Working Cap -15,500,000 -15,500,000 -382,400,000
Total Assets Less Current Liabilities 6,530,700,000 6,530,700,000 5,917,200,000
Long-term Liabilities 3,497,400,000 3,497,400,000 3,410,400,000
Net Assets 3,033,300,000 3,033,300,000 2,506,800,000
Share Capital & Reserves
Share Cap 150,000,000 150,000,000 150,000,000
Profit & Loss Reserves 2,324,900,000 2,324,900,000 1,798,400,000
Other Reserves 558,400,000 558,400,000 558,400,000
Shareholders Funds 3,033,300,000 3,033,300,000 2,506,800,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Tangible Fixed Assets - - -
Fixed Assets 91.7% 91.7% 96.3%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 3.2% 3.2% 2.3%
Cash Bank In Hand 0.0% 0.0% 1.4%
Current Assets 8.3% 8.3% 3.7%
Creditors Due Within One Year 8.5% 8.5% 9.5%
Net Current Assets Liabilities -0.2% -0.2% -5.8%
Creditors Due After One Year 49.0% 49.0% 52.1%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 42.5% 42.5% 38.3%
Called Up Share Capital 2.1% 2.1% 2.3%
Share Capital Allotted Called Up Paid 2.1% 2.1% 2.3%
Profit Loss Account Reserve 32.6% 32.6% 27.5%
Shareholder Funds 42.5% 42.5% 38.3%
Capital Employed - - -
Total Assets Less Current Liabilities 91.5% 91.5% 90.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Liquidity Ratio 1.0 1.0 0.4
Solvency Ratio 1.7 1.7 1.6
Reserves to Assets 0.3 0.3 0.3
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Assets 7,136,900,000 7,136,900,000 6,540,400,000
Debt 4,103,600,000 4,103,600,000 4,033,600,000
Net Assets/Debt 3,033,300,000 3,033,300,000 2,506,800,000

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. 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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Document Filings
Appointment of Mr Ian Breingan as a director on 31 March 2026
Termination of appointment of Arlene Cairns as a director on 31 March 2026
Termination of appointment of William Edward Swift as a director on 31 March 2026
Secretary's details changed for Pearl Group Secretariat Services Limited on 10 November 2025
Registered office address changed from 1 Wythall Green Way Wythall Birmingham B47 6WG to 10 Brindleyplace Birmingham B1 2JB on 11 November 2025
Change of details for Impala Holdings Limited as a person with significant control on 10 November 2025
Confirmation statement made on 6 October 2025 with updates
Director's details changed for Mr William Edward Swift on 30 September 2025
Confirmation statement made on 6 October 2024 with no updates
Termination of appointment of Katherine Louise Jones as a director on 4 July 2024
Appointment of Mrs Arlene Cairns as a director on 4 July 2024
Confirmation statement made on 6 October 2023 with no updates
Confirmation statement made on 6 October 2022 with no updates
Appointment of Katherine Louise Jones as a director on 1 November 2022
Termination of appointment of Rakesh Kishore Thakrar as a director on 1 November 2022
Satisfaction of charge 045607780002 in full
Termination of appointment of Samuel James Perowne as a director on 30 March 2022
Resolutions
Memorandum and Articles of Association
Statement of Company's objects
Confirmation statement made on 6 October 2021 with no updates
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