INTELLIGENT PENSIONS LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-03-25 (in 10mo)
Last made up 2026-03-11
Watchouts
None on the register
Cash
£774K
+55.5% vs 2023
Net assets
£831K
+21.7% vs 2023
Employees
32
0% vs 2023
Profit before tax
£199K
+371.9% highest in 4 filed years
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · latest reflected 2024-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | £2,969,269 | £2,704,258 | £2,717,398 | £3,250,631 | |
| Operating profit | — | — | £142,921 | -£402,464 | -£77,850 | £191,246 | |
| Profit before tax | — | — | £143,014 | -£402,103 | -£73,067 | £198,669 | |
| Net profit | — | — | £117,051 | -£298,535 | -£55,444 | £148,446 | |
| Cash | — | — | £1,049,047 | £546,499 | £497,740 | £774,206 | |
| Total assets less current liabilities | — | — | £1,036,767 | £664,387 | £682,788 | £831,234 | |
| Net assets | — | — | £1,036,767 | £738,232 | £682,788 | £831,234 | |
| Equity | £757,661 | £917,413 | £1,036,767 | £738,232 | £682,788 | £831,234 | |
| Average employees | — | — | 33 | 34 | 32 | 32 | |
| Wages | — | — | £1,659,828 | £1,667,980 | — | — | |
| Directors' remuneration | — | — | £590,157 | £559,974 | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+19.6%
£2,717,398 £3,250,631
highest in 4 filed years
-
Cash
+55.5%
£497,740 £774,206
-
Net assets
+21.7%
£682,788 £831,234
-
Employees
0%
32 32
-
Operating profit
+345.7%
-£77,850 £191,246
highest in 4 filed years
-
Profit before tax
+371.9%
-£73,067 £198,669
highest in 4 filed years
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | 4.8% | -14.9% | -2.9% | 5.9% | |
| Net margin | — | — | 3.9% | -11.0% | -2.0% | 4.6% | |
| Return on capital employed | — | — | 13.8% | -60.6% | -11.4% | 23.0% | |
| Current ratio | — | — | — | — | 3.40x | 2.97x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- INTELLIGENT PENSIONS LIMITED 1996-07-04 → present
- CARRUTH NOMINEES LIMITED 1987-10-26 → 1996-07-04
Audit & accounting basis
- 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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.