Intelligent Wealth Solutions Limited

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intelligent wealth solutions limited Company Information

Company Number

05588576

Next Accounts

Jan 2026

Directors

Derek Gunningham

Martene Gunningham

Shareholders

derek gunningham

martene ann gunningham

Group Structure

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Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Registered Address

1 radian court, knowlhill, milton keynes, buckinghamshire, MK5 8PJ

Website

intelligent wealth solutions limited Estimated Valuation

£2.3m

Pomanda estimates the enterprise value of INTELLIGENT WEALTH SOLUTIONS LIMITED at £2.3m based on Net Assets of £1.7m and 1.34x industry multiple (adjusted for liquidity).

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Intelligent Wealth Solutions Limited is a live company located in milton keynes, MK5 8PJ with a Companies House number of 05588576. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in October 2005, it's largest shareholder is derek gunningham with a 51% stake. Intelligent Wealth Solutions Limited is a mature, micro sized company, Pomanda has estimated its turnover at £438.5k with healthy growth in recent years.

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Pomanda's financial health check has awarded Intelligent Wealth Solutions Limited a 1 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating1out of 5

0 Strong

3 Regular

4 Weak

Size

annual sales of £438.5k, make it smaller than the average company (£5.5m)

Growth

3 year (CAGR) sales growth of 4%, show it is growing at a slower rate (7.1%)

EXPORT

Intelligent Wealth Solutions Limited's latest turnover from April 2024 is estimated at £438.5 thousand and the company has net assets of £1.7 million. According to their latest financial statements, Intelligent Wealth Solutions Limited has 2 employees and maintains cash reserves of £682.8 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Apr 2024	Oct 2023	Oct 2022	Oct 2021	Oct 2020	Oct 2019	Oct 2018	Oct 2017	Oct 2016	Oct 2015	Oct 2014	Oct 2013	Oct 2012	Oct 2011	Oct 2010	Oct 2009
Turnover	438,460	2,583,908	2,530,813	384,294	387,190	384,569	0	833,429	685,275	112,328	63,296	104,346	233,522	215,981	224,922	152,178
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	203,663	1,106,502	1,074,787	157,196	164,563	155,506	0	325,043	244,788	39,531	24,426	39,683	1,897	6,943	4,859	3,133
Gross Profit	234,797	1,477,406	1,456,026	227,098	222,627	229,063	0	508,386	440,487	72,798	38,869	64,663	231,625	209,038	220,063	149,045
Admin Expenses	340,703	1,542,798	-146,748	21,289	192,830	141,952	-15,246	493,921	462,112	-2,549	56,218	25,112	0	0	64,938	47,411
Operating Profit	-105,906	-65,392	1,602,774	205,809	29,797	87,111	15,246	14,465	-21,625	75,347	-17,349	39,551	231,625	209,038	155,125	101,634
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	7	40	110	0
Interest Receivable	50,619	65,392	20,803	521	415	2,105	635	161	419	849	730	729	0	0	707	628
Pre-Tax Profit	-55,287	0	1,623,577	206,330	30,212	89,216	15,881	14,626	-21,206	76,196	-16,619	40,279	150,139	133,687	142,024	92,895
Tax	0	0	-308,480	-39,203	-5,740	-16,951	-3,017	-2,779	0	-15,239	0	-9,264	-30,028	-27,290	-29,825	-19,508
Profit After Tax	-55,287	0	1,315,097	167,127	24,472	72,265	12,864	11,847	-21,206	60,957	-16,619	31,015	120,111	106,397	112,199	73,387
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	158,800	73,400	94,500	50,500
Retained Profit	-55,287	0	1,315,097	167,127	24,472	72,265	12,864	11,847	-21,206	60,957	-16,619	31,015	-38,689	32,997	17,699	22,887
Employee Costs	161,860	156,080	146,916	139,516	137,805	138,955	0	319,645	249,608	59,006	58,970	59,523	113,202	114,372	20,301	0
Number Of Employees	2	2	2	2	2	2	0	5	4	1	1	1	2	2	2	0
EBITDA*	-105,906	-65,392	1,602,774	205,809	29,797	87,111	15,246	14,465	-20,422	76,684	-16,186	43,124	231,625	209,038	155,125	101,634

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Apr 2024	Oct 2023	Oct 2022	Oct 2021	Oct 2020	Oct 2019	Oct 2018	Oct 2017	Oct 2016	Oct 2015	Oct 2014	Oct 2013	Oct 2012	Oct 2011	Oct 2010	Oct 2009
Tangible Assets	0	0	0	0	0	0	0	0	10,833	12,036	13,373	14,536	18,109	20,202	896	1,120
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments & Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	0	0	0	0	0	0	0	0	10,833	12,036	13,373	14,536	18,109	20,202	896	1,120
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	0	477,000	477,000	0	0	0	0	111,171	92,086	12,086	0	0	0	0	0	0
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	1,029,455	17,242	3,912	3,912	3,567	0	67,000	0	0	0	0	0	0	0	0	0
Cash	682,763	1,245,563	1,245,563	603,577	437,975	391,827	169,394	0	128,513	206,806	132,704	159,164	132,325	166,183	166,167	116,787
misc current assets	0	29,455	29,455	0	0	0	0	92,086	0	0	0	0	0	0	0	0
total current assets	1,712,218	1,769,260	1,769,260	607,489	441,542	391,827	236,394	203,257	220,599	218,892	132,704	159,164	132,325	166,183	166,167	116,787
total assets	1,712,218	1,769,260	1,769,260	607,489	441,542	391,827	236,394	203,257	231,432	230,928	146,077	173,700	150,434	186,385	167,063	117,907
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	0	0	0	0	0	0	0	27,677	67,599	0	21,995	32,999	10,000	10,000	21,140	720
Group/Directors Accounts	0	0	0	64,150	98,738	58,242	27,269	0	0	0	0	0	0	0	0	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	0	1,755	374,595	90,931	57,523	72,776	20,581	0	0	0	0	0	30,748	28,010	0	19,508
total current liabilities	0	1,755	1,755	155,081	156,261	131,018	47,850	27,677	67,599	0	21,995	32,999	40,748	38,010	51,685	20,228
loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	45,889	0	0	0	0	0	0
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	0	0	0	0	0	0	0	0	0	45,889	0	0	0	0	0	0
total liabilities	0	1,755	1,755	155,081	156,261	131,018	47,850	27,677	67,599	45,889	21,995	32,999	40,748	38,010	51,685	20,228
net assets	1,712,218	1,767,505	1,767,505	452,408	285,281	260,809	188,544	175,580	163,833	185,039	124,082	140,701	109,686	148,375	115,378	97,679
total shareholders funds	1,712,218	1,767,505	1,767,505	452,408	285,281	260,809	188,544	175,580	163,833	185,039	124,082	140,701	109,686	148,375	115,378	97,679

	Apr 2024	Oct 2023	Oct 2022	Oct 2021	Oct 2020	Oct 2019	Oct 2018	Oct 2017	Oct 2016	Oct 2015	Oct 2014	Oct 2013	Oct 2012	Oct 2011	Oct 2010	Oct 2009
Operating Activities
Operating Profit	-105,906	-65,392	1,602,774	205,809	29,797	87,111	15,246	14,465	-21,625	75,347	-17,349	39,551	231,625	209,038	155,125	101,634
Depreciation	0	0	0	0	0	0	0	0	1,203	1,337	1,163	3,573	0	0	0	0
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	0	-308,480	-39,203	-5,740	-16,951	-3,017	-2,779	0	-15,239	0	-9,264	-30,028	-27,290	-29,825	-19,508
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	535,213	-1,186,670	1,677,000	345	3,567	-67,000	-44,171	19,085	80,000	12,086	0	0	0	0	0	0
Creditors	0	0	0	0	0	0	-27,677	-39,922	67,599	-21,995	-11,004	22,999	0	-11,140	20,420	720
Accruals and Deferred Income	-1,755	-372,840	283,664	33,408	-15,253	52,195	20,581	0	0	0	0	-30,748	2,738	28,010	-19,508	19,508
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	-642,874	748,438	-99,042	199,669	5,237	189,355	49,304	-47,321	-32,823	27,364	-27,190	26,111	204,335	198,618	126,212	102,354
Investing Activities
capital expenditure	0	0	0	0	0	0	0	10,833	0	0	0	0	2,093	-19,306	224	-1,120
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	0	0	0	0	0	0	10,833	0	0	0	0	2,093	-19,306	224	-1,120
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	-64,150	-34,588	40,496	30,973	27,269	0	0	0	0	0	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	0	0	0	0	0	0	0	0	-45,889	45,889	0	0	0	0	0	0
share issue	0	0	0	0	0	0	100	-100	0	0	0	0	0	0	0	74,792
interest	50,619	65,392	20,803	521	415	2,105	635	161	419	849	730	729	-7	-40	597	628
cash flow from financing	50,619	65,392	-43,347	-34,067	40,911	33,078	28,004	61	-45,470	46,738	730	729	-7	-40	597	75,420
cash and cash equivalents
cash	-562,800	0	641,986	165,602	46,148	222,433	169,394	-128,513	-78,293	74,102	-26,460	26,839	-33,858	16	49,380	116,787
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-562,800	0	641,986	165,602	46,148	222,433	169,394	-128,513	-78,293	74,102	-26,460	26,839	-33,858	16	49,380	116,787

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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INTELLIGENT WEALTH SOLUTIONS LIMITED group structure

Intelligent Wealth Solutions Limited has no subsidiary companies.

Ultimate parent company

INTELLIGENT WEALTH SOLUTIONS LIMITED

05588576

INTELLIGENT WEALTH SOLUTIONS LIMITED Shareholders

derek gunningham	51%
martene ann gunningham	49%

Intelligent Wealth Solutions Limited currently has 2 directors. The longest serving directors include Mr Derek Gunningham (Oct 2005) and Mrs Martene Gunningham (Nov 2022).

officer	country	age	start	end	role
Mr Derek Gunningham	United Kingdom	61 years	Oct 2005	-	Director
Mrs Martene Gunningham	England	64 years	Nov 2022	-	Director

P&L

April 2024

turnover

438.5k

-83%

operating profit

-105.9k

gross margin

53.6%

-6.34%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

April 2024

net assets

1.7m

-0.03%

total assets

1.7m

-0.03%

cash

682.8k

-0.45%

net assets

Total assets minus all liabilities

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company number

05588576

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

October 2005

ultimate parent company

None

previous names

N/A

address

1 radian court, knowlhill, milton keynes, buckinghamshire, MK5 8PJ

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intelligent wealth solutions limited Company Information

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intelligent wealth solutions limited Estimated Valuation

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