pen-life associates limited Company Information
Company Number
02390548
Website
http://pen-life.co.ukRegistered 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
View All
Shareholders
pen-life group limited 100%
pen-life associates limited Estimated Valuation
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).
pen-life associates limited Estimated Valuation
Pomanda estimates the enterprise value of PEN-LIFE ASSOCIATES LIMITED at £5m based on an EBITDA of £848.5k and a 5.92x industry multiple (adjusted for size and gross margin).
pen-life associates limited Estimated Valuation
Pomanda estimates the enterprise value of PEN-LIFE ASSOCIATES LIMITED at £2.7m based on Net Assets of £1.4m and 2.01x industry multiple (adjusted for liquidity).
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Pen-life Associates Limited Overview
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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Pen-life Associates Limited Health Check
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
6 Strong
2 Regular
3 Weak
Size
annual sales of £3.5m, make it smaller than the average company (£5.5m)
- Pen-life Associates Limited
£5.5m - Industry AVG
Growth
3 year (CAGR) sales growth of -6%, show it is growing at a slower rate (4.9%)
- Pen-life Associates Limited
4.9% - Industry AVG
Production
with a gross margin of 58.3%, this company has a comparable cost of product (58.3%)
- Pen-life Associates Limited
58.3% - Industry AVG
Profitability
an operating margin of 21.6% make it more profitable than the average company (9.1%)
- Pen-life Associates Limited
9.1% - Industry AVG
Employees
with 27 employees, this is above the industry average (16)
27 - Pen-life Associates Limited
16 - Industry AVG
Pay Structure
on an average salary of £83.9k, the company has an equivalent pay structure (£83.9k)
- Pen-life Associates Limited
£83.9k - Industry AVG
Efficiency
resulting in sales per employee of £131.4k, this is less efficient (£235.2k)
- Pen-life Associates Limited
£235.2k - Industry AVG
Debtor Days
it gets paid by customers after 2 days, this is earlier than average (30 days)
- Pen-life Associates Limited
30 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Pen-life Associates Limited
- - Industry AVG
Stock Days
it holds stock equivalent to 3 days, this is less than average (21 days)
- Pen-life Associates Limited
21 days - Industry AVG
Cash Balance
has cash to cover current liabilities for 266 weeks, this is more cash available to meet short term requirements (36 weeks)
266 weeks - Pen-life Associates Limited
36 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 15.4%, this is a lower level of debt than the average (58.4%)
15.4% - Pen-life Associates Limited
58.4% - Industry AVG
PEN-LIFE ASSOCIATES LIMITED financials
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 | |||||||||||||||
Other Income Or Grants | |||||||||||||||
Cost Of Sales | |||||||||||||||
Gross Profit | |||||||||||||||
Admin Expenses | |||||||||||||||
Operating Profit | |||||||||||||||
Interest Payable | |||||||||||||||
Interest Receivable | |||||||||||||||
Pre-Tax Profit | |||||||||||||||
Tax | |||||||||||||||
Profit After Tax | |||||||||||||||
Dividends Paid | |||||||||||||||
Retained Profit | |||||||||||||||
Employee Costs | |||||||||||||||
Number Of Employees | 27 | 29 | 29 | 33 | 43 | 42 | 34 | 29 | 29 | ||||||
EBITDA* |
* 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 | |||||||||||||||
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 | 61,461 | 51,218 | 61,461 | 61,461 | 61,461 | 61,461 | 61,461 | 59,357 | 61,460 | |
Tax | |||||||||||||||
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 | |||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | 0 | 0 | -225,112 | 0 | 225,112 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | |||||||||||||||
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 | |||||||||||||||
interest | |||||||||||||||
cash flow from financing | |||||||||||||||
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 |
pen-life associates limited Credit Report and Business Information
Pen-life Associates Limited Competitor Analysis
Perform a competitor analysis for pen-life associates limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in YO26 area or any other competitors across 12 key performance metrics.
pen-life associates limited Ownership
PEN-LIFE ASSOCIATES LIMITED group structure
Pen-Life Associates Limited has 1 subsidiary company.
Ultimate parent company
1 parent
PEN-LIFE ASSOCIATES LIMITED
02390548
1 subsidiary
pen-life associates limited directors
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 2023turnover
3.5m
-5%
operating profit
765.2k
0%
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 2023net assets
1.4m
-0.02%
total assets
1.6m
-0.02%
cash
1.2m
+0.06%
net assets
Total assets minus all liabilities
pen-life associates limited company details
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
age
35
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
N/A
accountant
FORTUS LIMITED
auditor
-
address
3 tudor court, opus avenue, nether poppleton, york, YO26 6RS
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
pen-life associates limited Charges & Mortgages
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 Companies House Filings - See Documents
date | description | view/download |
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