Company Overview
Keegan And Pennykid(Insurance Brokers)Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 27 May 1976, so this is a well established company. Keegan And Pennykid(Insurance Brokers)Limited has been in business for 49 years and 10 months. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

50 Queen Street, Edinburgh, EH2 3NS
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Companies House Data
Company NameKEEGAN AND PENNYKID(INSURANCE BROKERS)LIMITED
Company NumberSC060085
Registered Office Address50 Queen Street
 Edinburgh
 EH2 3NS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/05/1976
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2027
Accounts Last Made Up Date31/12/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date28/08/2016
Returns Last Made Up Date31/07/2015
Directors & Members
Show Resigned
June Pennykid - Director
(British, 48 years old, born June 1978)
Appointed 27 November 2013
 Active
John Suttie - Director
(British, 55 years old, born August 1971)
Appointed 02 March 2018
 Active
Secretaries
Show Resigned
Other Company Directorships
June Pennykid
PENNSUTT LIMITED
PENNYKID & SUTTIE HOLDINGS LIMITED
PENSUTT LIMITED
John Suttie
PENNSUTT LIMITED
PENNYKID & SUTTIE HOLDINGS LIMITED
PENSUTT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 14,238 14,238 28,477
Current Assets 1,797,656 1,797,656 1,775,236
Creditors Due Within One Year 0 0 0
Working Cap 1,797,656 1,797,656 1,775,236
Total Assets Less Current Liabilities 1,811,894 1,811,894 1,803,713
Long-term Liabilities 1,508,990 1,508,990 1,399,759
Net Assets 302,904 302,904 403,954
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 302,904 302,904 403,954
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.8% 0.8% 1.6%
Stocks Inventory - - -
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 67.5% 67.5% 69.1%
Current Assets 99.2% 99.2% 98.4%
Creditors Due Within One Year 0.0% 0.0% 0.0%
Net Current Assets Liabilities 99.2% 99.2% 98.4%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 16.7% 16.7% 22.4%
Capital Employed - - -
Total Assets Less Current Liabilities 100.0% 100.0% 100.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1797656.0 1797656.0 1775236.0
Solvency Ratio 1.2 1.2 1.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Assets 1,811,894 1,811,894 1,803,713
Debt 1,508,990 1,508,990 1,399,759
Net Assets/Debt 302,904 302,904 403,954

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around EH2 3NS
UK RECOVERY FEDERATION CIC
52 Queen Street, Edinburgh, EH2 3NS
ARGYLL HOTEL (ULLAPOOL) COMPANY LIMITED
57 Queen Street, Edinburgh, EH2 3NS
Document Filings
Confirmation statement made on 31 July 2025 with no updates
Confirmation statement made on 31 July 2024 with no updates
Confirmation statement made on 31 July 2023 with no updates
Confirmation statement made on 31 July 2022 with no updates
Confirmation statement made on 31 July 2021 with updates
Director's details changed for Mrs June Elizabeth Pennykid on 21 August 2020
Director's details changed for Mr John Adams Suttie on 21 August 2020
Confirmation statement made on 31 July 2020 with no updates
Confirmation statement made on 31 July 2019 with no updates
Confirmation statement made on 31 July 2018 with updates
Notification of Pennykid & Suttie Holdings Limited as a person with significant control on 2 March 2018
Cessation of Benenden Wellbeing Limited as a person with significant control on 2 March 2018
Appointment of Mr John Adams Suttie as a director on 2 March 2018
Termination of appointment of Helen Louise Smith as a director on 2 March 2018
Termination of appointment of Richard Alan Johnston as a secretary on 2 March 2018
Termination of appointment of Andrew Michael Barker as a director on 2 March 2018
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