intelligent finance solutions limited
intelligent finance solutions limited Company Information
Company Number
06733682
Next Accounts
Sep 2025
Shareholders
derek gunningham
brian emerton
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
flat 12 5 soar road, quorn, loughborough, LE12 8BN
Website
-intelligent finance solutions limited Estimated Valuation
Pomanda estimates the enterprise value of INTELLIGENT FINANCE SOLUTIONS LIMITED at £578.6k based on a Turnover of £447.5k and 1.29x industry multiple (adjusted for size and gross margin).
intelligent finance solutions limited Estimated Valuation
Pomanda estimates the enterprise value of INTELLIGENT FINANCE SOLUTIONS LIMITED at £0 based on an EBITDA of £-334.4k and a 4.46x industry multiple (adjusted for size and gross margin).
intelligent finance solutions limited Estimated Valuation
Pomanda estimates the enterprise value of INTELLIGENT FINANCE SOLUTIONS LIMITED at £2.4m based on Net Assets of £1.8m and 1.34x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Intelligent Finance Solutions Limited Overview
Intelligent Finance Solutions Limited is a live company located in loughborough, LE12 8BN with a Companies House number of 06733682. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in October 2008, it's largest shareholder is derek gunningham with a 65% stake. Intelligent Finance Solutions Limited is a established, micro sized company, Pomanda has estimated its turnover at £447.5k with declining growth in recent years.
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Intelligent Finance Solutions Limited Health Check
Pomanda's financial health check has awarded Intelligent Finance Solutions Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 5 areas for improvement. Company Health Check FAQs
1 Strong
3 Regular
5 Weak
Size
annual sales of £447.5k, make it smaller than the average company (£5.5m)
- Intelligent Finance Solutions Limited
£5.5m - Industry AVG
Growth
3 year (CAGR) sales growth of -36%, show it is growing at a slower rate (4.9%)
- Intelligent Finance Solutions Limited
4.9% - Industry AVG
Production
with a gross margin of 53.9%, this company has a comparable cost of product (53.9%)
- Intelligent Finance Solutions Limited
53.9% - Industry AVG
Profitability
an operating margin of -74.7% make it less profitable than the average company (9.1%)
- Intelligent Finance Solutions Limited
9.1% - Industry AVG
Employees
with 2 employees, this is below the industry average (14)
2 - Intelligent Finance Solutions Limited
14 - Industry AVG
Pay Structure
on an average salary of £82.9k, the company has an equivalent pay structure (£82.9k)
- Intelligent Finance Solutions Limited
£82.9k - Industry AVG
Efficiency
resulting in sales per employee of £223.8k, this is equally as efficient (£223.8k)
- Intelligent Finance Solutions Limited
£223.8k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Intelligent Finance Solutions Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Intelligent Finance Solutions Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Intelligent Finance Solutions Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 8 weeks, this is less cash available to meet short term requirements (29 weeks)
8 weeks - Intelligent Finance Solutions Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 47.4%, this is a lower level of debt than the average (70.8%)
47.4% - Intelligent Finance Solutions Limited
70.8% - Industry AVG
INTELLIGENT FINANCE SOLUTIONS LIMITED financials
Intelligent Finance Solutions Limited's latest turnover from December 2023 is estimated at £447.5 thousand and the company has net assets of £1.8 million. According to their latest financial statements, Intelligent Finance Solutions Limited has 2 employees and maintains cash reserves of £248 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 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 | 36,708 | 38,226 | 58,236 | 29,913 | |||||||||||
| Other Income Or Grants | 0 | 0 | 0 | 0 | |||||||||||
| Cost Of Sales | 26,500 | 27,776 | 8,500 | 38,000 | |||||||||||
| Gross Profit | 10,208 | 10,450 | 49,736 | -8,087 | |||||||||||
| Admin Expenses | 0 | ||||||||||||||
| Operating Profit | 10,450 | ||||||||||||||
| Interest Payable | 0 | 76 | 100 | 0 | |||||||||||
| Interest Receivable | 0 | 0 | 0 | 0 | |||||||||||
| Pre-Tax Profit | 5,936 | 6,565 | 42,930 | -9,613 | |||||||||||
| Tax | -1,188 | -1,340 | -6,997 | 0 | |||||||||||
| Profit After Tax | 4,748 | 5,225 | 35,933 | -9,613 | |||||||||||
| Dividends Paid | 2,000 | 0 | 30,100 | 0 | |||||||||||
| Retained Profit | 2,748 | 5,225 | 5,833 | -9,613 | |||||||||||
| Employee Costs | 0 | ||||||||||||||
| Number Of Employees | 2 | 2 | 2 | ||||||||||||
| EBITDA* | 10,450 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 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 | 30,556 | 213,889 | 397,222 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 1,033,148 | 0 | 0 | 0 | 0 | 250,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 3,089,349 | 3,089,349 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 3,089,349 | 3,089,349 | 1,033,148 | 30,556 | 213,889 | 397,222 | 0 | 250,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 219,785 | 200,023 | 179,710 | 181,660 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 50,180 | 0 | 86,285 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100 |
| Cash | 248,042 | 979,203 | 272,348 | 0 | 0 | 0 | 0 | 216,224 | 45,386 | 28,218 | 13,597 | 17,620 | 9,654 | 10,165 | 29,907 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 298,222 | 979,203 | 358,633 | 219,785 | 200,023 | 179,710 | 181,660 | 216,224 | 45,386 | 28,218 | 13,597 | 17,620 | 9,654 | 10,165 | 30,007 |
| total assets | 3,387,571 | 4,068,552 | 1,391,781 | 250,341 | 413,912 | 576,932 | 181,660 | 466,224 | 45,386 | 28,218 | 13,597 | 17,620 | 9,654 | 10,165 | 30,007 |
| Bank overdraft | 0 | 0 | 29,375 | 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 |
| Trade Creditors | 0 | 0 | 0 | 58,983 | 177,486 | 289,662 | 4,148 | 47,037 | 11,964 | 19,323 | 5,851 | 12,105 | 5,329 | 6,348 | 39,200 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 1,529,876 | 717,339 | 334,306 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,222 | 2,780 | 7,497 | 320 |
| total current liabilities | 1,529,876 | 717,339 | 363,681 | 58,983 | 177,486 | 289,662 | 4,148 | 47,037 | 11,964 | 19,323 | 5,851 | 13,327 | 8,109 | 13,845 | 39,520 |
| loans | 0 | 0 | 407,292 | 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 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 76,890 | 1,268,235 | 461,301 | 50,000 | 0 | 93,556 | 220,740 | 250,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 76,890 | 1,268,235 | 868,593 | 50,000 | 0 | 93,556 | 220,740 | 250,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 1,606,766 | 1,985,574 | 1,232,274 | 108,983 | 177,486 | 383,218 | 224,888 | 297,037 | 11,964 | 19,323 | 5,851 | 13,327 | 8,109 | 13,845 | 39,520 |
| net assets | 1,780,805 | 2,082,978 | 159,507 | 141,358 | 236,426 | 193,714 | -43,228 | 169,187 | 33,422 | 8,895 | 7,746 | 4,293 | 1,545 | -3,680 | -9,513 |
| total shareholders funds | 1,780,805 | 2,082,978 | 159,507 | 141,358 | 236,426 | 193,714 | -43,228 | 169,187 | 33,422 | 8,895 | 7,746 | 4,293 | 1,545 | -3,680 | -9,513 |
| Dec 2023 | Dec 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 | 10,450 | ||||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Amortisation | 0 | 1,012,437 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Tax | -1,188 | -1,340 | -6,997 | 0 | |||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 50,180 | 3,003,064 | -133,500 | 19,762 | 20,313 | -1,950 | 181,660 | 0 | 0 | 0 | 0 | 0 | 0 | -100 | 100 |
| Creditors | 0 | 0 | -58,983 | -118,503 | -112,176 | 285,514 | -42,889 | 35,073 | -7,359 | 13,472 | -6,254 | 6,776 | -1,019 | -32,852 | 39,200 |
| Accruals and Deferred Income | 812,537 | 383,033 | 334,306 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,222 | -1,558 | -4,717 | 7,177 | 320 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | 3,374 | ||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
| Long term loans | 0 | -407,292 | 407,292 | 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 |
| other long term liabilities | -1,191,345 | 806,934 | 411,301 | 50,000 | -93,556 | -127,184 | -29,260 | 250,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 0 | -76 | -100 | 0 | |||||||||||
| cash flow from financing | 0 | -76 | -100 | 100 | |||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -731,161 | 706,855 | 272,348 | 0 | 0 | 0 | -216,224 | 170,838 | 17,168 | 14,621 | -4,023 | 7,966 | -511 | -19,742 | 29,907 |
| overdraft | 0 | -29,375 | 29,375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -731,161 | 736,230 | 242,973 | 0 | 0 | 0 | -216,224 | 170,838 | 17,168 | 14,621 | -4,023 | 7,966 | -511 | -19,742 | 29,907 |
intelligent finance solutions limited Credit Report and Business Information
Intelligent Finance Solutions Limited Competitor Analysis
Perform a competitor analysis for intelligent finance solutions limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in LE12 area or any other competitors across 12 key performance metrics.
intelligent finance solutions limited Ownership
INTELLIGENT FINANCE SOLUTIONS LIMITED group structure
Intelligent Finance Solutions Limited has no subsidiary companies.
Ultimate parent company
INTELLIGENT FINANCE SOLUTIONS LIMITED
06733682
intelligent finance solutions limited directors
Intelligent Finance Solutions Limited currently has 2 directors. The longest serving directors include Mr Brian Emerton (Oct 2008) and Mr Derek Gunningham (Oct 2008).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Brian Emerton | England | 64 years | Oct 2008 | - | Director |
| Mr Derek Gunningham | United Kingdom | 61 years | Oct 2008 | - | Director |
P&L
December 2023turnover
447.5k
+2%
operating profit
-334.4k
0%
gross margin
54%
-3.24%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
1.8m
-0.15%
total assets
3.4m
-0.17%
cash
248k
-0.75%
net assets
Total assets minus all liabilities
intelligent finance solutions limited company details
company number
06733682
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 2008
age
17
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
N/A
accountant
PER ANNUM ACCOUNTING LIMITED
auditor
-
address
flat 12 5 soar road, quorn, loughborough, LE12 8BN
Bank
BARCLAYS BANK PLC
Legal Advisor
-
intelligent finance solutions limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 2 charges/mortgages relating to intelligent finance solutions limited. Currently there are 0 open charges and 2 have been satisfied in the past.
intelligent finance solutions limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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intelligent finance solutions limited Companies House Filings - See Documents
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