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Intelligent Financial Advice Ltd

04818942

active
Private Limited Company
england wales
Companies House
Insolvency history
Health Score
50 / 100

Notable Risks

30/30
Filing
0/30
Financial
20/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • Active insolvency proceedings (-20)

Details

57 NEW WALK, LEICESTER, LE1 7EA
Incorporated 02/07/2003

Compliance

Last accounts

31/07/2025

total exemption full

Next accounts due

30/04/2027

On track

Confirmation statement

Last: 10/08/2025

Due 24/08/2026

On track

Industry

64999
Other financial service activities

Officers

Mr Brian Stephen Emerton

director · Since 02/07/2003

DIRECTOR

BRITISH · ENGLAND · Age 65

Also on 6 other boards

Mrs Cindy Elaine Emerton

secretary · Since 10/10/2005

BRITISH · UNITED KINGDOM · Age 57

Also on 1 other board

Mr Derek Gunningham

director · Since 04/06/2007

DIRECTOR

BRITISH · ENGLAND · Age 63

Also on 4 other boards

Persons with Significant Control

Mr Derek Gunningham

25–50% shares
25–50% votes

British · England · Age 63

C/O Opus Restructuring Llp 1, Radian Court, Milton Keynes, MK5 8PJ

Notified 06/04/2016

Mr Brian Stephen Emerton

25–50% shares
25–50% votes

British · England · Age 65

C/O Opus Restructuring Llp 1, Radian Court, Milton Keynes, MK5 8PJ

Notified 06/04/2016

Charges0 outstanding

Charge
satisfied

SANLAM WEALTH PLANNING UK LIMITED

Created 09/07/2021Registered 21/07/2021Satisfied 17/09/2024
Charge
satisfied

BARCLAYS BANK PLC

Created 09/02/2016Registered 15/02/2016Satisfied 22/11/2022

Insolvency History1 case

creditors voluntary liquidation09/06/2026

Louise Williams (practitioner) · Luke Brough (practitioner)

CompanyRankvs 17701+ SIC 64999 peers
25

Financial strength5th percentile among SIC peers · 1/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 0.43× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Insolvency history -10
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17701Intelligent Financial Advice Ltd
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How is this score calculated?
Financial strength1/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees2/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity2/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Insolvency history: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/07/2025

Net Worth

-£39k

Balance sheet strength

Cash

£29k

Cash in the bank

Net Current Assets

-£39k

Working capital

Current Assets

£29k

Current Liabilities

£69k

0avg. employees

Tax at Year End

Corp tax£61k

Balance Sheet

Assets less current liabilities-£39k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.43-£103k
20241.16-£129k
20235.28—

Derived from filed accounts. Not audited figures.