Company Overview
Pennaf Limited is a Converted / Closed Converted / Closed. The company was incorporated on Wednesday 22 January 2003, so this is a well established company. Pennaf Limited has been in business for 23 years and 2 months. The accounts status is group and the accounts are next due on Tuesday 31 December 2019.
Registered Address

72 Ffordd William Morgan, St Asaph Business Park, St Asaph, Denbighshire, LL17 0JD
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Companies House Data
Company NamePENNAF LIMITED
Company Number04644360
Registered Office Address72 Ffordd William Morgan
 St Asaph Business Park
 LL17 0JD
Company CategoryConverted / Closed
Company StatusConverted / Closed
Country of OriginUnited Kingdom
Incorporation Date22/01/2003
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2019
Accounts Last Made Up Date31/03/2018
Accounts Account CategoryGROUP
Returns Next Due Date19/02/2017
Returns Last Made Up Date22/01/2016
Previous Company NameChanged Date
PINACL HOUSING LIMITED13 Apr 2003
Directors & Members
Show Resigned
Lesley Budden - Director
(British, 62 years old, born November 1964)
Appointed 16 April 2018
 Active
Mike Hornsby - Director
(British, 61 years old, born December 1965)
Appointed 24 July 2013
 Active
Sarah Horrocks - Director
(British, 76 years old, born October 1950)
Appointed 04 July 2013
 Active
Peter Lewis - Director
(English, 60 years old, born June 1966)
Appointed 13 January 2016
 Active
Sara Mogel - Director
(British, 72 years old, born February 1954)
Appointed 14 September 2016
 Active
Stephen Porter - Director
(British, 76 years old, born July 1950)
Appointed 30 September 2015
 Active
David Robinson - Director
(British, 61 years old, born July 1965)
Appointed 20 July 2016
 Active
Secretaries
Trevor Henderson - Secretary
(British)
Appointed 22 January 2003
 Active
Other Company Directorships
Lesley Budden
PENARIAN HOUSING FINANCE PLC
TAI ELWY LIMITED
TIR TAI LIMITED
US UN LTD
Mike Hornsby
OFFA LIMITED
PENELWY LIMITED
TAI ELWY LIMITED
TIR TAI LIMITED
Sarah Horrocks
NORTH WALES RESOURCES CENTRE FOR DISABLED PEOPLE LIMITED
OFFA LIMITED
TIR TAI LIMITED
Peter Lewis
OFFA LIMITED
PENARIAN HOUSING FINANCE PLC
TAI ELWY LIMITED
TIR TAI LIMITED
Sara Mogel
AGE CONNECTS NORTH EAST WALES
BLACON HIGH SCHOOL TRUST
CACDP
LONGHOUSE BUSINESS SERVICES LTD
MOUNTAIN TRAINING LIMITED
STANDARDS VERIFICATION UK LIMITED
THE MOUNTAIN TRAINING TRUST
TIR TAI LIMITED
WOMEN'S LEADERSHIP NETWORK
Stephen Porter
BLACKPOOL CHALLENGE PARTNERSHIP LIMITED
BLOC PARTNERSHIP LTD
BOLTON COMMUNITY HOMES LIMITED
COMMITMENT IN COMMUNITIES LTD
NORTH WEST METHODIST HOMES
OFFA LIMITED
PENARIAN HOUSING FINANCE PLC
SALFORD MONEY LINE TRUST LIMITED
TAI ELWY LIMITED
TERRA NOVA DEVELOPMENTS LIMITED
TIR TAI LIMITED
David Robinson
PENARIAN HOUSING FINANCE PLC
TAI ELWY LIMITED
TIR TAI LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2016 31-Mar-2015
Balance Sheet
Fixed Assets 340,686,000 340,686,000 329,167,000
Current Assets 12,653,000 12,653,000 8,508,000
Creditors Due Within One Year 11,389,000 11,389,000 10,303,000
Working Cap 1,264,000 1,264,000 -1,795,000
Total Assets Less Current Liabilities 341,950,000 341,950,000 327,372,000
Long-term Liabilities 330,372,000 330,372,000 317,306,000
Net Assets 11,578,000 11,578,000 10,066,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 11,578,000 11,578,000 10,066,000
Other Reserves 0 0 0
Shareholders Funds 11,578,000 11,578,000 10,066,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2016 31-Mar-2015
Tangible Fixed Assets - - -
Fixed Assets 96.4% 96.4% 97.5%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.1% 0.1% 0.1%
Cash Bank In Hand 2.8% 2.8% 1.5%
Current Assets 3.6% 3.6% 2.5%
Creditors Due Within One Year 3.2% 3.2% 3.1%
Net Current Assets Liabilities 0.4% 0.4% -0.5%
Creditors Due After One Year 93.5% 93.5% 94.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 3.3% 3.3% 3.0%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 3.3% 3.3% 3.0%
Shareholder Funds 3.3% 3.3% 3.0%
Capital Employed - - -
Total Assets Less Current Liabilities 96.8% 96.8% 96.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2016 31-Mar-2015
Liquidity Ratio 1.1 1.1 0.8
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2016 31-Mar-2015
Assets 353,339,000 353,339,000 337,675,000
Debt 341,761,000 341,761,000 327,609,000
Net Assets/Debt 11,578,000 11,578,000 10,066,000

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.

The current section of the balance sheet has positive working capital. We would normally consider this positively. 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 net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Converted / Closed.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. 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 net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Converted / Closed.  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 current section of the balance sheet has positive working capital. We would normally consider this positively. 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 net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Converted / Closed.

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
Miscellaneous
Resolutions
Confirmation statement made on 22 January 2019 with no updates
Appointment of Mrs Lesley Clare Budden as a director on 16 April 2018
Termination of appointment of Graham Worthington as a director on 31 March 2018
Termination of appointment of Glyn Meirion Jones as a director on 6 February 2018
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 22 January 2018 with no updates
Appointment of Mr Glyn Meirion Jones as a director on 13 September 2017
Confirmation statement made on 22 January 2017 with updates
Appointment of Mrs Sara Mogel as a director on 14 September 2016
Appointment of Mr David Paul Robinson as a director on 20 July 2016
Termination of appointment of Judith Ann Owen as a director on 20 July 2016
Termination of appointment of Dafydd Ifans as a director on 20 July 2016
Termination of appointment of Angela Kathryn Holdsworth as a director on 20 July 2016
Annual return made up to 22 January 2016 no member list
Termination of appointment of Peter Lewis as a director on 13 January 2016
Appointment of Mr Peter Lewis as a director on 13 January 2016
Termination of appointment of Glyn Meirion Jones as a director on 13 January 2016
Appointment of Mr Stephen James Porter as a director on 30 September 2015
Appointment of Mr Peter Lewis as a director on 30 September 2015
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