Pen-life Associates Limited

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pen-life associates limited Company Information

Live

MatureSmallDeclining

Company Number

02390548

Website

http://pen-life.co.uk

Registered Address

3 tudor court, opus avenue, nether poppleton, york, YO26 6RS

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Telephone

01904661140

Next Accounts Due

September 2025

Group Structure

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Directors

Deborah Jacobs3 Years

Thomas Hughes3 Years

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Shareholders

pen-life group limited 100%

pen-life associates limited Estimated Valuation

£5.2m

Pomanda estimates the enterprise value of PEN-LIFE ASSOCIATES LIMITED at £5.2m based on a Turnover of £3.5m and 1.47x industry multiple (adjusted for size and gross margin).

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Pen-life Associates Limited is a live company located in york, YO26 6RS with a Companies House number of 02390548. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in May 1989, it's largest shareholder is pen-life group limited with a 100% stake. Pen-life Associates Limited is a mature, small sized company, Pomanda has estimated its turnover at £3.5m with declining growth in recent years.

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Pomanda's financial health check has awarded Pen-Life Associates Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 3 areas for improvement. Company Health Check FAQs

Health Rating5out of 5

6 Strong

2 Regular

3 Weak

Size

annual sales of £3.5m, make it smaller than the average company (£5.5m)

Growth

3 year (CAGR) sales growth of -6%, show it is growing at a slower rate (4.9%)

EXPORT

Pen-Life Associates Limited's latest turnover from December 2023 is estimated at £3.5 million and the company has net assets of £1.4 million. According to their latest financial statements, Pen-Life Associates Limited has 27 employees and maintains cash reserves of £1.2 million as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Turnover	3,547,585	3,726,257	3,945,439	4,238,337	5,462,085	5,092,544	4,105,380	3,331,724	3,870,100	3,259,362	2,746,360	2,045,037	1,272,392	1,015,778	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	1,479,227	1,427,611	1,476,043	1,599,820	1,948,380	1,818,506	1,481,544	1,221,648	1,371,663	1,245,028	1,077,901	854,620	557,045	466,727	0
Gross Profit	2,068,358	2,298,646	2,469,396	2,638,516	3,513,705	3,274,038	2,623,836	2,110,076	2,498,437	2,014,334	1,668,459	1,190,417	715,347	549,051	0
Admin Expenses	1,303,150	1,533,143	1,557,160	1,819,763	2,602,793	3,272,894	2,324,628	2,168,556	2,081,451	1,939,676	1,486,055	1,063,557	633,386	469,580	-169,241
Operating Profit	765,208	765,503	912,236	818,753	910,912	1,144	299,208	-58,480	416,986	74,658	182,404	126,860	81,961	79,471	169,241
Interest Payable	0	0	0	0	0	0	0	0	0	0	9,252	18,684	19,252	21,408	11,586
Interest Receivable	58,276	38,043	3,055	1,368	7,574	3,867	1,061	140	91	142	170	73	51	60	43
Pre-Tax Profit	823,484	803,546	915,291	820,121	918,486	5,011	300,269	-58,340	417,076	74,800	173,322	108,250	62,759	58,124	157,697
Tax	-205,871	-152,674	-173,905	-155,823	-174,512	-952	-57,051	0	-83,415	-15,708	-39,864	-25,980	-16,317	-16,275	-44,155
Profit After Tax	617,613	650,872	741,386	664,298	743,974	4,059	243,218	-58,340	333,661	59,092	133,458	82,270	46,442	41,849	113,542
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	617,613	650,872	741,386	664,298	743,974	4,059	243,218	-58,340	333,661	59,092	133,458	82,270	46,442	41,849	113,542
Employee Costs	2,266,056	2,285,396	2,234,765	2,492,455	3,177,003	3,038,406	2,355,899	1,955,033	1,851,538	1,046,206	880,526	603,324	425,000	356,095	0
Number Of Employees	27	29	29	33	43	42	34	29	29	17	14	10	7	6	0
EBITDA*	848,466	853,212	1,006,661	916,111	992,000	16,161	376,135	7,808	500,484	159,393	250,300	192,344	147,224	143,423	239,135

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Tangible Assets	62,921	73,234	90,446	743,586	113,980	355,131	82,990	85,684	97,482	119,109	24,219	14,159	18,182	15,452	17,069
Intangible Assets	321,963	387,924	453,885	519,846	585,808	647,270	618,730	680,191	731,409	792,870	854,331	915,792	977,253	1,038,714	1,098,071
Investments & Other	0	0	0	225,112	225,112	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	384,884	461,158	544,331	1,488,544	924,900	1,002,401	701,720	765,875	828,891	911,979	878,550	929,951	995,435	1,054,166	1,115,140
Stock & work in progress	15,000	15,000	11,100	11,100	11,100	11,100	11,100	0	0	0	0	0	0	0	0
Trade Debtors	22,192	38,355	88,956	83,928	101,964	40,627	67,402	48,113	190,966	485,591	419,917	303,445	187,900	156,603	142,903
Group Debtors	0	0	0	0	116,418	0	679,690	649,380	651,926	0	0	0	0	0	0
Misc Debtors	0	0	47,786	167,279	24,230	0	0	0	0	0	0	0	0	0	0
Cash	1,197,263	1,133,781	1,040,091	1,404,029	1,332,689	687,049	344,143	80,139	32,023	4,213	52,499	15,662	13,632	6,847	17,218
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	1,234,455	1,187,136	1,187,933	1,666,336	1,586,401	841,857	1,102,335	777,632	874,915	489,804	472,416	319,107	201,532	163,450	160,121
total assets	1,619,339	1,648,294	1,732,264	3,154,880	2,511,301	1,844,258	1,804,055	1,543,507	1,703,806	1,401,783	1,350,966	1,249,058	1,196,967	1,217,616	1,275,261
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	0	0	0	0	0	0	0	0	0	114,468	102,514	49,274	35,029	36,489	74,766
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	154	2,216	18,426	19,239
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	233,965	240,673	430,590	304,645	333,974	0	218,587	133,572	168,306	0	0	0	0	0	0
total current liabilities	233,965	240,673	430,590	304,645	333,974	308,390	218,587	133,572	168,306	114,468	102,514	49,428	37,245	54,915	94,005
loans	0	0	0	0	0	0	0	0	0	0	0	284,691	290,191	302,190	356,505
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	106,000	56,000	0	150,705	179,097	207,030	254,648	261,907	28,000	28,000	30,001	0
provisions	15,730	13,915	17,185	19,291	24,469	0	13,725	16,807	25,923	27,570	4,329	1,970	2,621	1,831	1,710
total long term liabilities	15,730	13,915	17,185	125,291	80,469	146,782	164,430	195,904	232,953	282,218	266,236	314,661	320,812	334,022	358,215
total liabilities	249,695	254,588	447,775	429,936	414,443	455,172	383,017	329,476	401,259	396,686	368,750	364,089	358,057	388,937	452,220
net assets	1,369,644	1,393,706	1,284,489	2,724,944	2,096,858	1,389,086	1,421,038	1,214,031	1,302,547	1,005,097	982,216	884,969	838,910	828,679	823,041
total shareholders funds	1,369,644	1,393,706	1,284,489	2,724,944	2,096,858	1,389,086	1,421,038	1,214,031	1,302,547	1,005,097	982,216	884,969	838,910	828,679	823,041

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Operating Activities
Operating Profit	765,208	765,503	912,236	818,753	910,912	1,144	299,208	-58,480	416,986	74,658	182,404	126,860	81,961	79,471	169,241
Depreciation	17,297	21,748	28,464	31,397	19,627	15,017	15,466	15,070	22,037	23,274	6,435	4,023	3,802	4,595	8,434
Amortisation	65,961	65,961	65,961	65,961	61,461	0	61,461	51,218	61,461	61,461	61,461	61,461	61,461	59,357	61,460
Tax	-205,871	-152,674	-173,905	-155,823	-174,512	-952	-57,051	0	-83,415	-15,708	-39,864	-25,980	-16,317	-16,275	-44,155
Stock	0	3,900	0	0	0	0	11,100	0	0	0	0	0	0	0	0
Debtors	-16,163	-98,387	-114,465	8,595	201,985	-706,465	49,599	-145,399	357,301	65,674	116,472	115,545	31,297	13,700	142,903
Creditors	0	0	0	0	0	0	0	0	-114,468	11,954	53,240	14,245	-1,460	-38,277	74,766
Accruals and Deferred Income	-6,708	-189,917	125,945	-29,329	333,974	-218,587	85,015	-34,734	168,306	0	0	0	0	0	0
Deferred Taxes & Provisions	1,815	-3,270	-2,106	-5,178	24,469	-13,725	-3,082	-9,116	-1,647	23,241	2,359	-651	790	121	1,710
Cash flow from operations	653,865	601,838	1,071,060	717,186	973,946	489,362	340,318	109,357	111,959	113,206	149,563	64,413	98,940	75,292	128,553
Investing Activities
capital expenditure	-6,984	-4,536	624,676	-661,002	221,525	-315,698	-12,772	-3,272	-410	-118,164	-16,495	0	-6,532	-2,978	-1,185,034
Change in Investments	0	0	-225,112	0	225,112	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-6,984	-4,536	849,788	-661,002	-3,587	-315,698	-12,772	-3,272	-410	-118,164	-16,495	0	-6,532	-2,978	-1,185,034
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	-154	-2,062	-16,210	-813	19,239
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	0	0	0	0	0	0	-284,691	-5,500	-11,999	-54,315	356,505
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	0	0	-106,000	50,000	56,000	-150,705	-28,392	-27,933	-47,618	-7,259	233,907	0	-2,001	30,001	0
share issue	-641,675	-541,655	-2,181,841	-36,212	-36,202	-36,011	-36,211	-30,176	-36,211	-36,211	-36,211	-36,211	-36,211	-36,211	709,499
interest	58,276	38,043	3,055	1,368	7,574	3,867	1,061	140	91	142	-9,082	-18,611	-19,201	-21,348	-11,543
cash flow from financing	-583,399	-503,612	-2,284,786	15,156	27,372	-182,849	-63,542	-57,969	-83,738	-43,328	-96,231	-62,384	-85,622	-82,686	1,073,700
cash and cash equivalents
cash	63,482	93,690	-363,938	71,340	645,640	342,906	264,004	48,116	27,810	-48,286	36,837	2,030	6,785	-10,371	17,218
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	63,482	93,690	-363,938	71,340	645,640	342,906	264,004	48,116	27,810	-48,286	36,837	2,030	6,785	-10,371	17,218

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PEN-LIFE ASSOCIATES LIMITED group structure

Pen-Life Associates Limited has 1 subsidiary company.

Ultimate parent company

PEN-LIFE GROUP LTD

13232204

1 parent

PEN-LIFE ASSOCIATES LIMITED

02390548

1 subsidiary

YOUR ESTATE PLANNERS LIMITED

09173309

PEN-LIFE ASSOCIATES LIMITED Shareholders

pen-life group limited

100%

Pen-Life Associates Limited currently has 3 directors. The longest serving directors include Miss Deborah Jacobs (Aug 2021) and Mr Thomas Hughes (Aug 2021).

officer	country	age	start	end	role
Miss Deborah Jacobs	United Kingdom	47 years	Aug 2021	-	Director
Mr Thomas Hughes	United Kingdom	43 years	Aug 2021	-	Director
Mrs Nina Wright	United Kingdom	55 years	Aug 2021	-	Director

P&L

December 2023

turnover

3.5m

-5%

operating profit

765.2k

gross margin

58.4%

-5.49%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

1.4m

-0.02%

total assets

1.6m

-0.02%

cash

1.2m

+0.06%

net assets

Total assets minus all liabilities

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company number

02390548

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

May 1989

ultimate parent company

PEN-LIFE GROUP LTD

previous names

N/A

address

3 tudor court, opus avenue, nether poppleton, york, YO26 6RS

A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.

We found 2 charges/mortgages relating to pen-life associates limited. Currently there are 0 open charges and 2 have been satisfied in the past.

pen-life associates limited Company Information

pen-life associates limited Estimated Valuation

pen-life associates limited Estimated Valuation

pen-life associates limited Estimated Valuation

Pen-life Associates Limited Overview

Pen-life Associates Limited Health Check

PEN-LIFE ASSOCIATES LIMITED financials

pen-life associates limited Credit Report and Business Information

Pen-life Associates Limited Competitor Analysis

pen-life associates limited Ownership

pen-life associates limited directors

pen-life associates limited company details

pen-life associates limited Charges & Mortgages

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