Company Overview
Pensave Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 27 May 2005, so this is a well established company. Pensave Limited has been in business for 20 years and 10 months. The accounts status is group and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Detchant, Belford, Northumberland, NE70 7PF
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Companies House Data
Company NamePENSAVE LIMITED
Company Number05465508
Registered Office AddressDetchant
 Belford
 NE70 7PF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/05/2005
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryGROUP
Returns Next Due Date24/06/2017
Returns Last Made Up Date27/05/2016
Directors & Members
Show Resigned
John Lovett - Director
(British, 75 years old, born August 1951)
Appointed 20 February 2017
 Active
Timothy Smalley - Director
(British, 66 years old, born December 1960)
Appointed 21 October 2005
 Active
Rosanna Smalley - Director
(Irish, 60 years old, born December 1966)
Appointed 21 October 2005
 Active
Secretaries
Show Resigned
Timothy Smalley - Secretary
(British)
Appointed 21 October 2005
 Active
Other Company Directorships
John Lovett
ALNWICK GARDEN ENTERPRISES LIMITED
BEDMAX LIMITED
ELP VENTURES LTD
GATEWAY FINANCE LIMITED
HANOVER CREDIT LIMITED
HANOVER FINANCE LIMITED
JANE LOVETT LIMITED
LAUDERDALE AND LOTHIANS TRUST LIMITED
LILIDOREI LTD
LOVAINE TRUST COMPANY LIMITED
POISON DIARIES LIMITED
THE ALNWICK GARDEN TRUST
WARK FARM LIMITED
Timothy Smalley
BEDMAX LIMITED
LANGHAM TOLL KENNELS LIMITED
Rosanna Smalley
BEDMAX LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 826,422 826,422 826,422
Current Assets 673,258 673,258 333,201
Creditors Due Within One Year 115,058 115,058 302,955
Working Cap 558,200 558,200 30,246
Total Assets Less Current Liabilities 1,384,622 1,384,622 856,668
Long-term Liabilities 969,066 969,066 821,668
Net Assets 415,556 415,556 35,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 415,556 415,556 35,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 55.1% 55.1% 71.3%
Stocks Inventory - - -
Debtors 44.2% 44.2% 26.8%
Cash Bank In Hand 0.7% 0.7% 2.0%
Current Assets 44.9% 44.9% 28.7%
Creditors Due Within One Year 7.7% 7.7% 26.1%
Net Current Assets Liabilities 37.2% 37.2% 2.6%
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 27.7% 27.7% 3.0%
Capital Employed - - -
Total Assets Less Current Liabilities 92.3% 92.3% 73.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 5.9 5.9 1.1
Solvency Ratio 1.4 1.4 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 1,499,680 1,499,680 1,159,623
Debt 1,084,124 1,084,124 1,124,623
Net Assets/Debt 415,556 415,556 35,000

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 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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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
Confirmation statement made on 27 May 2025 with no updates
Change of details for Mr Timothy Wyndam Basil Smalley as a person with significant control on 6 June 2024
Director's details changed for Mr Timothy Wyndam Basil Smalley on 6 June 2024
Confirmation statement made on 27 May 2024 with no updates
Confirmation statement made on 27 May 2023 with no updates
Director's details changed for Rosanna Smalley on 5 July 2022
Director's details changed for Mr Timothy Wyndam Basil Smalley on 5 July 2022
Secretary's details changed for Mr Timothy Wyndam Basil Smalley on 5 July 2022
Confirmation statement made on 27 May 2022 with no updates
Cancellation of shares. Statement of capital on 31 March 2021
Purchase of own shares.
Confirmation statement made on 27 May 2021 with updates
Confirmation statement made on 27 May 2020 with no updates
Confirmation statement made on 27 May 2019 with updates
Change of details for Mr Timothy Wyndam Basil Smalley as a person with significant control on 7 June 2019
Cancellation of shares. Statement of capital on 7 February 2019
Purchase of own shares.
Resolutions
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