UK Companies House feature
INTELLIGENT PENSIONS LIMITED
Cash
£546K
-47.9% vs 2021
Net assets
£738K
-28.8% vs 2021
Employees
34
+3% vs 2021
Profit before tax
-£402K
-381.2% vs 2021
Profile
- Company number
- SC107284
- Status
- Active
- Incorporation
- 1987-10-26
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
4-year trend · vs UK Fintech median
Accounts
4-year trend · latest 2022-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Turnover | — | — | £2,969,269 | £2,704,258 | |
| Operating profit | — | — | £142,921 | -£402,464 | |
| Profit before tax | — | — | £143,014 | -£402,103 | |
| Net profit | — | — | £117,051 | -£298,535 | |
| Cash | — | — | £1,049,047 | £546,499 | |
| Total assets less current liabilities | — | — | £1,036,767 | £664,387 | |
| Net assets | — | — | £1,036,767 | £738,232 | |
| Equity | £757,661 | £917,413 | £1,036,767 | £738,232 | |
| Average employees | — | — | 33 | 34 | |
| Wages | — | — | £1,659,828 | £1,667,980 |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102 §1A
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- Johnston Carmichael LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Whilst there can be no absolute certainty, having considered the current results of the company, including plausible downside scenarios impacting revenues, expenses and financial resilience, and the current liquidity and net assets of the company, the directors are satisfied that it remains a reasonable assumption that the company should have sufficient resources to meet its working capital requirements for at least 12 months from the date of approval of these financial statements. Accordingly, the financial statements have been prepared on a going concern basis.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
6 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MACDOUGALL, Jacqueline | Secretary | 2025-10-28 | — | — |
| KEARNEY, Douglas Richard | Director | 2009-04-01 | Aug 1955 | British |
| MORET, Anthony John | Director | 2012-03-20 | Feb 1949 | British |
| PATTERSON, Anthony Stephen | Director | — | Feb 1956 | British |
| PENNIE, Andrew | Director | 2015-01-23 | May 1971 | British |
| TAIT, Fiona | Director | 2017-11-01 | Mar 1964 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| PATTERSON, Francis David | Secretary | — | 1996-06-24 |
| PATTERSON, Teresa Marie | Secretary | 1996-06-24 | 1998-03-04 |
| SHEDDEN, Graham Hamilton | Secretary | 1998-03-04 | 2025-10-28 |
| COMBER, Stanley James | Director | 1998-05-27 | 2013-03-20 |
| PATERSON, Maurice Dinsmore | Director | 1998-03-04 | 2012-03-20 |
| PATTERSON, Francis David | Director | — | 1996-06-24 |
| PATTERSON, Teresa Marie | Director | 1996-06-24 | 1998-05-27 |
| TRENNER, David | Director | 2010-01-01 | 2015-05-13 |
| WADDELL, Murray | Director | 1999-01-01 | 2010-05-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Anthony Stephen Patterson | Individual | Shares 25–50% | 2016-04-06 | Active |
Filing timeline
Last 20 of 152 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-25 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-10-28 | AP03 | officers | appoint person secretary company with name date |
| 2025-10-28 | TM02 | officers | termination secretary company with name termination date |
| 2025-06-04 | AA | accounts | accounts with accounts type full |
| 2025-03-25 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-06-11 | AA | accounts | accounts with accounts type full |
| 2024-03-18 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-06-22 | AA | accounts | accounts with accounts type full |
| 2023-03-20 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-09-29 | AA | accounts | accounts with accounts type full |
| 2022-03-11 | CS01 | confirmation-statement | confirmation statement with updates |
| 2021-12-07 | CH01 | officers | change person director company with change date |
| 2021-12-07 | PSC04 | persons-with-significant-control | change to a person with significant control |
| 2021-07-16 | AA | accounts | accounts with accounts type full |
| 2021-04-07 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2020-08-21 | AA | accounts | accounts with accounts type full |
| 2020-05-18 | CH01 | officers | change person director company with change date |
| 2020-05-18 | PSC04 | persons-with-significant-control | change to a person with significant control |
| 2020-04-01 | CS01 | confirmation-statement | confirmation statement with updates |
| 2019-05-01 | AA | accounts | accounts with accounts type full |
Credit score
Altman Z″ (private-firm) · reference 2022-12-31
5.92
SAFE
Altman Z″
- Working capital / Total assets 0.619 × 6.56 = +4.06
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets -0.448 × 6.72 = -3.01
- Book equity / Total liabilities 4.639 × 1.05 = +4.87
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory