Company Overview
The Penny Group Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 08 December 2017, so this is a well established company. The Penny Group Ltd has been in business for 8 years and 4 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 31 December 2025.
Registered Address

3Rd Floor The Coade, 98 Vauxhall Walk, London, SE11 5EL
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameTHE PENNY GROUP LTD
Company Number11103804
Registered Office Address3rd Floor The Coade
 98 Vauxhall Walk
 SE11 5EL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/12/2017
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date05/01/2019
Directors & Members
Clement Cowley - Director
(British, 41 years old, born December 1985)
Appointed 08 December 2017
 Active
Michael Elworthy - Director
(British, 43 years old, born July 1983)
Appointed 08 December 2017
 Active
Graeme Morrissey - Director
(British, 42 years old, born September 1984)
Appointed 08 December 2017
 Active
Adam Roberts - Director
(British, 44 years old, born November 1982)
Appointed 08 December 2017
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Clement Cowley
CECTRAD LTD
THE PENNY GROUP INDEPENDENT LIMITED
THE PENNY GROUP INSURANCE LIMITED
THE PENNY GROUP LONDON LLP
Michael Elworthy
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
MIKE ELWORTHY FINANCIAL PLANNING LIMITED
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP SURREY LIMITED
TPG HARRIDGE HOLDCO LTD
TREETOPS AND HIGH GATE MANAGEMENT LTD
WHITING FINANCIAL LIMITED
Graeme Morrissey
203 ST JOHN'S HILL BATTERSEA LIMITED
G & T CONSTRUCTION MANAGEMENT LIMITED
GRAEME MORRISSEY LIMITED
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
OPENWORK PARTNERSHIP LLP
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
TPG HARRIDGE HOLDCO LTD
VESPA VENTURES LIMITED
WHITING FINANCIAL LIMITED
Adam Roberts
BRIGHT BLUE WEALTH MANAGEMENT LTD
RIDGEWOOD FINANCE LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP SURREY LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 4,546,849 4,546,849 1,780,965
Current Assets 2,274,934 2,274,934 3,536,102
Creditors Due Within One Year 2,435,423 2,435,423 1,409,833
Working Cap -160,489 -160,489 2,126,269
Total Assets Less Current Liabilities 4,386,360 4,386,360 3,907,234
Long-term Liabilities 855,000 855,000 1,442,474
Net Assets 3,531,360 3,531,360 2,464,760
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 3,531,360 3,531,360 2,464,760
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 66.7% 66.7% 33.5%
Stocks Inventory - - -
Debtors 9.4% 9.4% 9.3%
Cash Bank In Hand 23.9% 23.9% 57.2%
Current Assets 33.3% 33.3% 66.5%
Creditors Due Within One Year 35.7% 35.7% 26.5%
Net Current Assets Liabilities -2.4% -2.4% 40.0%
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 51.8% 51.8% 46.4%
Capital Employed - - -
Total Assets Less Current Liabilities 64.3% 64.3% 73.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 0.9 0.9 2.5
Solvency Ratio 2.1 2.1 1.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2022 31-Mar-2021
Assets 6,821,783 6,821,783 5,317,067
Debt 3,290,423 3,290,423 2,852,307
Net Assets/Debt 3,531,360 3,531,360 2,464,760

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. 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. 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. 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
Other Business around SE11 5EL
PIXELOWORLD LIMITED
10 Tinworth Street, London, London, SE11 5EL
AERIAL SERVICES LIMITED
11-21 OLD PARADISE STREET, LONDON, SE11 5EL
Document Filings
Confirmation statement made on 7 December 2025 with updates
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Notification of The Penny Group Holdings Ltd as a person with significant control on 15 August 2022
Withdrawal of a person with significant control statement on 24 October 2025
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Director's details changed for Mr Adam David John Roberts on 15 September 2025
Director's details changed for Mr Graeme Joseph Morrissey on 15 September 2025
Director's details changed for Mr Clement Edward Cowley on 15 September 2025
Director's details changed for Mr Michael Joseph Elworthy on 15 September 2025
Registered office address changed from 1 Vincent Square London SW1P 2PN United Kingdom to 3rd Floor the Coade 98 Vauxhall Walk London SE11 5EL on 19 September 2025
Previous accounting period shortened from 31 March 2025 to 31 December 2024
Consolidated accounts of parent company for subsidiary company period ending 31/03/24
Notice of agreement to exemption from audit of accounts for period ending 31/03/24
Audit exemption statement of guarantee by parent company for period ending 31/03/24
Confirmation statement made on 7 December 2024 with updates
Registration of charge 111038040004, created on 14 August 2024
Confirmation statement made on 7 December 2023 with updates
Confirmation statement made on 7 December 2022 with updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free