PENNYLAND HOUSE LTD
Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 16.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 16.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £-23.2k | £-23.2k |
| Current assets | £4.9k | £4.6k |
| Net assets | £-23.2k | £-26.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
- • 1 accounts
- • 1 accounts
- • 2 officers
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2026-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-12-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-09➖TAYLOR, Carol resignedsecretary
- 2025-12-09➖TAYLOR, Carol resigneddirector
- 2025-12-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-09📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-17➕TAYLOR, Raymond St Clair appointeddirector
- 2021-11-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-03-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-25➖TAYLOR, Raymond St Clair resigneddirector
- 2018-06-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-04-26🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2010-02-12➖TAYLOR, Samantha Helen resigneddirector
- 2010-02-07➕TAYLOR, Raymond St Clair appointeddirector
- 2008-11-13🏢Company incorporatedAs PENNYLAND HOUSE LTD
- 2008-11-13➕TAYLOR, Carol appointedsecretary
- 2008-11-13➕TAYLOR, Carol appointeddirector
- 2008-11-13➕TAYLOR, Samantha Helen appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 17 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: TAYLOR, Carol resigned 2025-12-09; TAYLOR, Carol resigned 2025-12-09
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (1 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 26/04/2010 | — |