Pensave Limited

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pensave limited Company Information

Live

EstablishedLargeHealthy

Company Number

05465508

Next Accounts

Dec 2025

Industry

Activities of head offices

Financial management

Directors

Timothy Smalley

Rosanna Smalley

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Shareholders

timothy wyndam basil smalley

lauderdale & lothians trust limited

Group Structure

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Contact

Registered Address

detchant belford, northumberland, NE70 7PF

Website

http://bedmaxshavings.com

pensave limited Estimated Valuation

£16.6m

Pomanda estimates the enterprise value of PENSAVE LIMITED at £16.6m based on a Turnover of £21.9m and 0.76x industry multiple (adjusted for size and gross margin).

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Pensave Limited is a live company located in northumberland, NE70 7PF with a Companies House number of 05465508. It operates in the activities of head offices sector, SIC Code 70100. Founded in May 2005, it's largest shareholder is timothy wyndam basil smalley with a 80% stake. Pensave Limited is a established, large sized company, Pomanda has estimated its turnover at £21.9m with healthy growth in recent years.

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Pomanda's financial health check has awarded Pensave Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating3.5out of 5

3 Strong

5 Regular

4 Weak

Size

annual sales of £21.9m, make it larger than the average company (£11m)

Growth

3 year (CAGR) sales growth of 7%, show it is growing at a similar rate (9.2%)

EXPORT

Pensave Limited's latest turnover from March 2024 is £21.9 million and the company has net assets of £3.4 million. According to their latest financial statements, Pensave Limited has 64 employees and maintains cash reserves of £46.5 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	21,893,516	20,945,430	18,021,177	17,623,735	16,929,741	15,555,377	13,956,999	12,631,503	11,536,523	11,446,044	12,225,272	12,135,711	9,698,026	9,397,679	8,595,456
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	16,020,862	15,656,764	13,083,825	12,521,250	11,765,333	10,966,559	9,612,543	8,609,654	7,581,867	7,585,564	8,007,900	7,907,266	6,360,128	6,083,396	5,371,560
Gross Profit	5,872,654	5,288,666	4,937,352	5,102,485	5,164,408	4,588,818	4,344,456	4,021,849	3,954,656	3,860,480	4,217,372	4,228,445	3,337,898	3,314,283	3,223,896
Admin Expenses	5,397,106	4,973,005	5,120,154	4,406,367	4,721,983	4,379,528	4,785,380	4,021,849	3,630,981	3,672,771	3,860,921	3,497,769	3,069,311	2,953,741	2,460,518
Operating Profit	475,548	315,661	-182,802	696,118	442,425	209,290	-440,924	0	323,675	187,709	356,451	730,676	268,587	360,542	763,378
Interest Payable	91,924	56,641	59,998	48,665	55,838	51,489	46,947	43,923	30,615	34,472	37,434	52,751	74,137	123,112	149,247
Interest Receivable	267	0	0	0	0	0	0	61	7	0	560	0	0	0	0
Pre-Tax Profit	383,891	301,302	-151,003	50,634	386,587	157,801	-487,871	4,376	293,067	153,237	319,577	677,925	194,450	237,430	614,131
Tax	-116,906	51,353	127,878	-7,045	-43,572	98,134	80,953	-26,851	-19,073	-12,650	133,924	-165,943	-25,347	-84,411	-166,909
Profit After Tax	266,985	352,655	-23,125	43,589	343,015	255,935	-406,918	-22,475	273,994	140,587	453,501	511,982	169,103	153,019	447,222
Dividends Paid	0	0	0	0	0	0	0	97,646	0	0	170,661	56,368	51,006	149,074	187,313
Retained Profit	266,985	352,655	-23,125	43,589	343,015	255,935	-406,918	-120,121	273,994	140,587	282,840	455,614	118,097	3,945	259,909
Employee Costs	3,456,073	3,146,610	3,109,032	3,031,643	2,937,219	2,881,874	2,922,636	2,615,775	2,108,743	1,953,035	1,750,629	1,783,578	1,463,363	1,382,658	1,280,843
Number Of Employees	64	62	70	76	75	80	79	75	62	63	60	53	49	48	47
EBITDA*	1,282,348	1,052,946	618,199	1,565,556	1,180,346	893,002	215,765	547,555	797,961	679,368	1,106,000	1,521,642	1,047,732	1,123,214	1,473,321

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	4,040,187	3,250,390	3,085,712	3,375,210	3,268,931	3,643,038	3,635,847	3,390,606	3,168,080	2,536,247	2,563,168	2,303,317	2,431,808	2,827,556	3,106,190
Intangible Assets	150,426	2,876	2,750	3,379	31,662	45,270	69,481	92,741	66,244	57,280	0	0	0	0	0
Investments & Other	0	0	0	0	0	0	2	2	3	2	2	2	2	2	2
Debtors (Due After 1 year)	0	110,755	59,402	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	4,190,613	3,364,021	3,147,864	3,378,589	3,300,593	3,688,308	3,705,330	3,483,349	3,234,327	2,593,529	2,563,170	2,303,319	2,431,810	2,827,558	3,106,192
Stock & work in progress	1,408,896	1,245,835	1,510,686	1,206,654	1,317,939	1,189,705	545,243	705,007	614,274	576,640	680,887	312,266	666,525	658,931	433,100
Trade Debtors	3,997,130	3,794,964	2,960,832	3,716,114	3,530,041	3,285,464	2,759,268	2,733,727	2,264,986	2,215,116	2,378,256	2,683,665	1,776,755	2,017,313	1,583,869
Group Debtors	0	0	0	0	0	0	0	0	210,661	0	0	0	0	0	0
Misc Debtors	672,774	755,251	626,620	428,325	380,211	434,586	357,558	260,881	354,675	221,866	322,235	207,951	303,920	112,205	103,178
Cash	46,535	385,836	146,639	812,473	146,270	199,715	121,804	258,218	332,278	212,448	205,243	227,205	103,110	113,793	258,351
misc current assets	0	0	0	0	0	0	0	1,687	0	0	0	0	0	0	0
total current assets	6,125,335	6,181,886	5,244,777	6,163,566	5,374,461	5,109,470	3,783,873	3,959,520	3,776,874	3,226,070	3,586,621	3,431,087	2,850,310	2,902,242	2,378,498
total assets	10,315,948	9,545,907	8,392,641	9,542,155	8,675,054	8,797,778	7,489,203	7,442,869	7,011,201	5,819,599	6,149,791	5,734,406	5,282,120	5,729,800	5,484,690
Bank overdraft	0	0	211,994	96,600	97,004	93,870	85,152	0	0	0	5	0	0	0	0
Bank loan	2,716,459	2,585,667	1,564,804	2,164,675	1,618,329	0	0	0	0	0	0	13,680	116,605	147,837	146,129
Trade Creditors	1,994,585	1,311,303	985,213	1,115,911	1,227,541	1,239,688	896,759	1,149,101	968,748	903,442	1,161,387	1,157,718	928,066	1,365,274	650,460
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other short term finances	43,471	41,419	40,675	39,753	0	0	0	1,096,745	995,900	481,144	1,025,204	586,866	739,886	290,430	92,832
hp & lease commitments	493,462	473,972	445,289	547,488	490,755	478,355	428,140	403,181	321,571	229,370	195,272	438,756	540,225	493,030	455,052
other current liabilities	486,784	562,147	756,565	818,065	707,064	2,445,644	2,012,383	469,217	276,074	472,800	524,649	869,888	416,519	354,766	482,582
total current liabilities	5,734,761	4,974,508	4,004,540	4,782,492	4,140,693	4,257,557	3,422,434	3,118,244	2,562,293	2,086,756	2,906,517	3,066,908	2,741,301	2,651,337	1,827,055
loans	139,921	273,333	361,274	401,949	0	0	0	0	0	0	0	0	13,680	132,981	282,225
hp & lease commitments	999,806	929,742	811,158	1,050,444	736,023	1,128,470	848,527	863,549	780,879	502,845	486,379	193,443	485,698	931,138	1,328,011
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
provisions	6,151	0	0	139,536	61,431	17,859	55,285	77,205	164,037	0	0	0	23,000	114,000	151,000
total long term liabilities	1,145,878	1,203,075	1,172,432	1,591,929	797,454	1,146,329	903,812	940,754	944,916	502,845	486,379	193,443	522,378	1,178,119	1,761,236
total liabilities	6,880,639	6,177,583	5,176,972	6,374,421	4,938,147	5,403,886	4,326,246	4,058,998	3,507,209	2,589,601	3,392,896	3,260,351	3,263,679	3,829,456	3,588,291
net assets	3,435,309	3,368,324	3,215,669	3,167,734	3,736,907	3,393,892	3,162,957	3,383,871	3,503,992	3,229,998	2,756,895	2,474,055	2,018,441	1,900,344	1,896,399
total shareholders funds	3,435,309	3,368,324	3,215,669	3,167,734	3,736,907	3,393,892	3,162,957	3,383,871	3,503,992	3,229,998	2,756,895	2,474,055	2,018,441	1,900,344	1,896,399

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	475,548	315,661	-182,802	696,118	442,425	209,290	-440,924	0	323,675	187,709	356,451	730,676	268,587	360,542	763,378
Depreciation	795,569	735,842	798,296	839,670	724,093	659,500	628,016	520,899	456,300	491,659	749,549	790,966	779,145	762,672	709,943
Amortisation	11,231	1,443	2,705	29,768	13,828	24,212	28,673	26,656	17,986	0	0	0	0	0	0
Tax	-116,906	51,353	127,878	-7,045	-43,572	98,134	80,953	-26,851	-19,073	-12,650	133,924	-165,943	-25,347	-84,411	-166,909
Stock	163,061	-264,851	304,032	-111,285	128,234	644,462	-159,764	90,733	37,634	-104,247	368,621	-354,259	7,594	225,831	433,100
Debtors	8,934	1,014,116	-497,585	234,187	190,202	603,224	122,218	164,286	393,340	-263,509	-191,125	810,941	-48,843	442,471	1,687,047
Creditors	683,282	326,090	-130,698	-111,630	-12,147	342,929	-252,342	180,353	65,306	-257,945	3,669	229,652	-437,208	714,814	650,460
Accruals and Deferred Income	-75,363	-194,418	-61,500	111,001	-1,738,580	433,261	1,543,166	193,143	-196,726	-51,849	-345,239	453,369	61,753	-127,816	482,582
Deferred Taxes & Provisions	6,151	0	-139,536	78,105	43,572	-37,426	-21,920	-86,832	164,037	0	0	-23,000	-91,000	-37,000	151,000
Cash flow from operations	1,607,517	486,706	607,896	1,513,085	-888,817	482,214	1,603,168	552,349	380,531	724,680	720,858	1,559,038	597,179	920,499	470,307
Investing Activities
capital expenditure	0	0	0	0	0	0	-237,370	-209,627	-369,678	139,576	-445,651	-468,455	-296,217	-356,000	-209,805
Change in Investments	0	0	0	0	0	-2	0	-1	1	0	0	0	0	0	2
cash flow from investments	0	0	0	0	0	2	-237,370	-209,626	-369,679	139,576	-445,651	-468,455	-296,217	-356,000	-209,807
Financing Activities
Bank loans	130,792	1,020,863	-599,871	546,346	1,618,329	0	0	0	0	0	-13,680	-102,925	-31,232	1,708	146,129
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Short Term Loans	2,052	744	922	39,753	0	0	-1,096,745	100,845	514,756	-544,060	438,338	-153,020	449,456	197,598	92,832
Long term loans	-133,412	-87,941	-40,675	401,949	0	0	0	0	0	0	0	-13,680	-119,301	-149,244	282,225
Hire Purchase and Lease Commitments	89,554	147,267	-341,485	371,154	-380,047	330,158	9,937	164,280	370,235	50,564	49,452	-393,724	-398,245	-358,895	1,783,063
other long term liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	-200,000	-200,000	71,060	-612,762	0	-25,000	186,004	0	0	332,516	0	0	0	0	1,636,490
interest	-91,657	-56,641	-59,998	-48,665	-55,838	-51,489	-46,947	-43,862	-30,608	-34,472	-36,874	-52,751	-74,137	-123,112	-149,247
cash flow from financing	-202,671	824,292	-970,047	697,775	1,182,444	253,669	-947,751	221,263	854,383	-195,452	437,236	-716,100	-173,459	-431,945	3,791,492
cash and cash equivalents
cash	-339,301	239,197	-665,834	666,203	-53,445	77,911	-136,414	-74,060	119,830	7,205	-21,962	124,095	-10,683	-144,558	258,351
overdraft	0	-211,994	115,394	-404	3,134	8,718	85,152	0	0	-5	5	0	0	0	0
change in cash	-339,301	451,191	-781,228	666,607	-56,579	69,193	-221,566	-74,060	119,830	7,210	-21,967	124,095	-10,683	-144,558	258,351

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PENSAVE LIMITED group structure

Pensave Limited has 2 subsidiary companies.

Ultimate parent company

PENSAVE LIMITED

05465508

2 subsidiaries

BEDMAX LIMITED

03796823

J.H. WOOD LIMITED

09923430

PENSAVE LIMITED Shareholders

timothy wyndam basil smalley	80%
lauderdale & lothians trust limited	20%

Pensave Limited currently has 3 directors. The longest serving directors include Mr Timothy Smalley (Oct 2005) and Ms Rosanna Smalley (Oct 2005).

officer	country	age	start	end	role
Mr Timothy Smalley	United Kingdom	64 years	Oct 2005	-	Director
Ms Rosanna Smalley		58 years	Oct 2005	-	Director
Mr John Lovett	England	73 years	Feb 2017	-	Director

P&L

March 2024

turnover

21.9m

+5%

operating profit

475.5k

+51%

gross margin

26.9%

+6.23%

turnover

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

Balance Sheet

March 2024

net assets

3.4m

+0.02%

total assets

10.3m

+0.08%

cash

46.5k

-0.88%

net assets

Total assets minus all liabilities

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company number

05465508

Type

Private limited with Share Capital

industry

70100 - Activities of head offices

70221 - Financial management

incorporation date

May 2005

ultimate parent company

None

previous names

N/A

address

detchant belford, northumberland, NE70 7PF

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 1 charges/mortgages relating to pensave limited. Currently there are 1 open charges and 0 have been satisfied in the past.

When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.

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pensave limited Company Information

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pensave limited Estimated Valuation

pensave limited Estimated Valuation

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PENSAVE LIMITED financials

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