GUY PENN & COMPANY LIMITED

🌳Matureactive

01019647 · ltd · incorporated 1971-08-03

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 22.9y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

66/100

Strong

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 66/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 22.9y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 22.9 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (60/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

26 officers (3 active, 26 linked, 21 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

10 connected companies via shared directors

Filing history

171 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

66/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 3 officers
• 1 confirmation-statement

Last 180 days

filings

• 4 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (71 events)Click to expand

2026-05-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-11
➕
FIRMIN, Katherine appointed
director
2026-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-05-05
➖
YEANDLE, James resigned
director
2026-05-05
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-30
➖
CALLIDUS SECRETARIES LIMITED resigned
corporate-secretary
2026-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-31
➕
LOWE, Scott appointed
director
2025-12-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-03
➖
TUPLIN, Richard resigned
director
2025-11-17
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-11-17
📄
legacy
accounts · PARENT_ACC
2025-11-17
📄
legacy
other · GUARANTEE2
2025-11-17
📄
legacy
other · AGREEMENT2
2025-05-23
📄
legacy
capital · SH20
2025-05-23
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2025-05-23
⚠️
legacy
insolvency · CAP-SS
2025-05-23
📄
resolution
resolution · RESOLUTIONS
2024-11-21
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-11-21
📄
legacy
accounts · PARENT_ACC
2024-11-21
📄
legacy
other · GUARANTEE2
2024-11-21
📄
legacy
other · AGREEMENT2
2024-05-16
📄
change-person-director-company-with-change-date
officers · CH01
2023-11-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-10-06
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-10-06
📄
legacy
accounts · PARENT_ACC
2023-10-06
📄
legacy
other · AGREEMENT2
2023-08-01
➕
TUPLIN, Richard appointed
director
2023-08-01
➖
WILLIAMS, Huw Scott resigned
director
2023-08-01
➖
WORRELL, Robert Laurence resigned
director
2023-08-01
➕
YEANDLE, James appointed
director
2023-06-04
➖
SHORTLAND, Christopher David resigned
director
2022-10-03
➖
OWEN, Kierson Marie resigned
director
2022-05-26
➕
SHORTLAND, Christopher David appointed
director
2022-05-26
➖
TUPLIN, Richard resigned
director
2022-02-22
➕
ARDONAGH CORPORATE SECRETARY LIMITED appointed
corporate-secretary
2022-02-22
➖
CLARKE, Dean resigned
secretary
2021-02-23
➖
SHORTLAND, Christopher David resigned
director
2021-02-23
➖
SUMNER, Alan resigned
director
2021-02-16
➖
MARTUCCI, Nicholas Hartley resigned
director
2020-11-14
➕
WILLIAMS, Huw Scott appointed
director
2020-11-14
➕
WORRELL, Robert Laurence appointed
director
2020-08-27
🔓
Charge satisfied #2
2020-08-27
🔓
Charge satisfied #1
2020-08-14
➖
DALTON, Dianne Margaret resigned
secretary
2020-08-14
➖
DREW, Simon Richard resigned
director
2020-08-14
➕
MARTUCCI, Nicholas Hartley appointed
director
2020-08-14
➕
OWEN, Kierson Marie appointed
director
2020-08-14
➕
SUMNER, Alan appointed
director
2020-08-13
➕
CLARKE, Dean appointed
secretary

Showing most recent 50 of 71 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 high · 1 med ·

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2025-05-23: legacy

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CALLIDUS SECRETARIES LIMITED resigned 2026-04-30; TUPLIN, Richard resigned 2025-12-03; YEANDLE, James resigned 2026-05-05

Group structure

Ink Investment Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Ink Investment Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

GUY PENN & COMPANY LIMITED

This company · 01019647

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Ink Investment Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	14/08/2020

1 historic (ceased) PSC

Nicholas Hartley Martucciceased 14/08/2020· significant influence

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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 →

🔒Advanced scoring suite

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

Statusactive

Typeltd

Incorporated1971-08-03

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Coverpoint House

St. Davids Road South And Hove Road

Lytham St. Annes

Lancashire

FY8 1TJ

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-06-01

Last: 2026-05-18

Officers (3 active · 23 resigned)

ARDONAGH CORPORATE SECRETARY LIMITED→

corporate-secretary · appointed 2022-02-22

View their other companies + combined net worth →

Active

FIRMIN, Katherine→

director · ~48y · appointed 2026-05-11

View their other companies + combined net worth →

Active

LOWE, Scott→

director · ~53y · appointed 2026-03-31

View their other companies + combined net worth →

Active

CLARKE, Dean→

secretary · appointed 2020-08-13 · resigned 2022-02-22

Resigned

DALTON, Dianne Margaret→

secretary · appointed 1995-06-10 · resigned 2020-08-14

Resigned

PENN, Sheila Beryl→

secretary · resigned 1995-06-10

Resigned

CALLIDUS SECRETARIES LIMITED→

corporate-secretary · appointed 2020-08-13 · resigned 2026-04-30

Resigned

BROWN, Peter→

director · ~78y · appointed 2014-01-01 · resigned 2020-04-30

Resigned

CREAMER, Paul William→

director · ~90y · resigned 1997-11-03

Resigned

DOWMAN, Curtis Richard→

director · ~56y · appointed 2002-12-01 · resigned 2016-06-09

Resigned

DREW, Simon Richard→

director · ~57y · appointed 2020-08-13 · resigned 2020-08-14

Resigned

KERR, Sara Westall→

director · ~51y · appointed 2012-11-01 · resigned 2020-08-13

Resigned

MARTUCCI, Nicholas Hartley→

director · ~71y · appointed 2020-08-14 · resigned 2021-02-16

Resigned

MARTUCCI, Nicholas Hartley→

director · ~71y · resigned 2020-08-13

Resigned

OWEN, Kierson Marie→

director · ~57y · appointed 2020-08-14 · resigned 2022-10-03

Resigned

OWEN, Kierson Marie→

director · ~57y · appointed 2012-11-01 · resigned 2020-08-13

Resigned

PENN, Edward Guy→

director · ~97y · resigned 2013-10-07

Resigned

PENN, Sheila Beryl→

director · ~103y · resigned 2020-08-13

Resigned

SHORTLAND, Christopher David→

director · ~49y · appointed 2022-05-26 · resigned 2023-06-04

Resigned

SHORTLAND, Christopher David→

director · ~49y · appointed 2020-08-13 · resigned 2021-02-23

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	1 property	13/12/2013	27/08/2020
	satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Legal charge	1 property	18/08/2003	27/08/2020

Recent filings (171 total)

confirmation-statement-with-updates

confirmation-statement · CS01

2026-05-18

appoint-person-director-company-with-name-date

officers · AP01

2026-05-12

termination-director-company-with-name-termination-date

officers · TM01

2026-05-06

termination-secretary-company-with-name-termination-date

officers · TM02

2026-05-05

appoint-person-director-company-with-name-date

officers · AP01

2026-04-03

termination-director-company-with-name-termination-date

officers · TM01

2025-12-12

accounts-with-accounts-type-audit-exemption-subsiduary

accounts · AA

2025-11-17

legacy

accounts · PARENT_ACC

2025-11-17

legacy

other · GUARANTEE2

2025-11-17

legacy

other · AGREEMENT2

2025-11-17

legacy

capital · SH20

2025-05-23

capital-statement-capital-company-with-date-currency-figure

capital · SH19

2025-05-23

legacy

insolvency · CAP-SS

2025-05-23

resolution

resolution · RESOLUTIONS

2025-05-23

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-05-23