INTELLIGENT CAPITAL LTD.

⚰️Wound downdissolved

SC192637 · ltd · incorporated 1999-01-18

Investment thesis

Company dissolved — not a live target.

Why interesting: Historical record only; useful for precedent research.

Why risky: Not transactable.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jan 2024

Net worth

—

book net assets

Opportunity

54/100

Worth a look

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed unclear — structural issues outweigh the discount.

Opportunity 54/100 (worth a look), bankability 72/100. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 26.3y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 26.3 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

24 officers (3 active, 24 linked, 21 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

13 connected companies via shared directors

Filing history

140 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

54/100Worth a look

PassWatchWorth a lookStrongExceptional

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Multiple red flags — proceed with caution.

Signal strength

100

Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-01-31
Average employees	1800

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

4 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 gazette

Last 180 days

filings

• 7 officers
• 2 gazette
• 2 capital

Counts from Companies House filing history.

Corporate timeline (77 events)Click to expand

2026-03-17
📄
gazette-dissolved-voluntary
gazette · GAZ2(A)
2026-03-17
🏁
Company dissolved
2025-12-30
📄
gazette-notice-voluntary
gazette · GAZ1(A)
2025-12-18
📄
dissolution-application-strike-off-company
dissolution · DS01
2025-12-11
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2025-12-11
⚠️
legacy
insolvency · CAP-SS
2025-12-11
📄
legacy
capital · SH20
2025-12-11
📄
resolution
resolution · RESOLUTIONS
2025-12-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-02
➕
HALL, Peter Graham appointed
director
2025-12-02
➕
SYEED, Arfan Mohammed appointed
director
2025-12-02
➕
TURTON, Ceri Jane appointed
director
2025-12-02
➖
BREMNER, Thomas David resigned
director
2025-12-02
➖
ESFANDI, David resigned
director
2025-12-02
➖
HARLE, Gemma Eileen resigned
director
2025-12-02
➖
MCALEENAN, Jill Patricia resigned
director
2024-11-04
📄
capital-allotment-shares
capital · SH01
2024-09-10
📄
change-account-reference-date-company-current-extended
accounts · AA01
2024-09-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-11
📄
capital-allotment-shares
capital · SH01
2024-04-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-11
🔓
Charge satisfied #3
2024-04-08
➕
ESFANDI, David appointed
director
2024-04-08
➖
FREELAND, John resigned
director
2024-04-08
➕
HARLE, Gemma Eileen appointed
director
2024-04-08
➖
MANSON, Alan Graeme resigned
director
2024-04-08
➕
MCALEENAN, Jill Patricia appointed
director
2024-04-08
➖
WELSH, Angela resigned
director
2021-08-19
➕
WELSH, Angela appointed
director
2021-07-02
➕
FREELAND, John appointed
director
2018-01-03
➖
FORBES, Graeme James resigned
secretary
2018-01-03
➖
FORBES, Graeme James resigned
director
2017-12-22
🔒
Charge registered #3
Lender: Clydesdale Bank PLC
2017-12-18
🔓
Charge satisfied #2
2017-10-14
🔒
Charge registered #2
Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
2017-09-29
➖
STAFFORD, Natalie Claire resigned
director
2014-09-01
➕
BREMNER, Thomas David appointed
director
2012-10-29
➖
OLIVER, David John resigned
director
2012-10-29
➕
STAFFORD, Natalie Claire appointed
director

Showing most recent 50 of 77 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

+Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.

Red flags

2 high · 1 med ·

Company dissolved

high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2026-03-17

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2025-12-11: legacy

4 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BREMNER, Thomas David resigned 2025-12-02; ESFANDI, David resigned 2025-12-02; HARLE, Gemma Eileen resigned 2025-12-02

Group structure

Intelligent Capital Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Intelligent Capital Group Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

INTELLIGENT CAPITAL LTD.

This company · SC192637

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Intelligent Capital Group Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	21/12/2017

1 historic (ceased) PSC

Cell 420470 Ltdceased 21/12/2017· 50-75% shares · 50-75% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
DGL (GLASGOW) LTD→ SC338543 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
ELIO MACLEAN LIMITED→ SC781112 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ENVOY RS LTD→ SC817881 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
EVERNEST PROPERTIES LIMITED→ SC864964 · est 2025 · no financials extracted	—	—	—	—	—	—	—
FAAB TRADERS LIMITED→ SC767876 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
FAZ PROPERTIES LTD→ SC866684 · est 2025 · no financials extracted	—	—	—	—	—	—	—
FFX CAPITAL LTD→ SC743545 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
FIDELIS FINANCIAL PLANNING LIMITED→ SC397983 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
FINANCIAL INDEPENDENCE (SCOTLAND) LTD.→ SC232317 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
FINANCIAL INDEPENDENT SOLUTIONS LTD.→ SC218279 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
FINANCIAL SUCCESSION LIMITED→ SC626642 · est 2019 · no financials extracted	—	—	—	—	7y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →

🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusdissolved

Typeltd

Incorporated1999-01-18

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Gresham Chambers 3rd Floor

45 West Nile Street

Glasgow

G1 2PT

Scotland

Filing status

Accounts

Next due: —

Last made up to: 2024-01-31

Confirmation statement

Next due: —

Last: 2025-01-18

Officers (0 active · 21 resigned)

HALL, Peter Graham→

director · ~63y · appointed 2025-12-02

View their other companies + combined net worth →

Active

SYEED, Arfan Mohammed→

director · ~56y · appointed 2025-12-02

View their other companies + combined net worth →

Active

TURTON, Ceri Jane→

director · ~54y · appointed 2025-12-02

View their other companies + combined net worth →

Active

FORBES, Graeme James→

secretary · appointed 2004-07-01 · resigned 2018-01-03

Resigned

FORBES, Michelle→

secretary · appointed 1999-01-18 · resigned 2004-07-01

Resigned

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-secretary · appointed 1999-01-18 · resigned 1999-01-18

Resigned

BREMNER, Thomas David→

director · ~60y · appointed 2014-09-01 · resigned 2025-12-02

Resigned

ESFANDI, David→

director · ~48y · appointed 2024-04-08 · resigned 2025-12-02

Resigned

FORBES, Graeme James→

director · ~63y · appointed 1999-01-18 · resigned 2018-01-03

Resigned

FORBES, Jillian→

director · ~52y · appointed 2007-03-02 · resigned 2011-01-31

Resigned

FORBES, Michelle→

director · ~64y · appointed 1999-01-18 · resigned 2005-03-02

Resigned

FREELAND, John→

director · ~71y · appointed 2021-07-02 · resigned 2024-04-08

Resigned

GORDON, Graham Campbell→

director · ~72y · appointed 2008-04-01 · resigned 2011-01-31

Resigned

HARLE, Gemma Eileen→

director · ~62y · appointed 2024-04-08 · resigned 2025-12-02

Resigned

MANSON, Alan Graeme→

director · ~67y · appointed 2008-03-01 · resigned 2024-04-08

Resigned

MCALEENAN, Jill Patricia→

director · ~76y · appointed 2024-04-08 · resigned 2025-12-02

Resigned

MCGOLDRICK, Joseph→

director · ~75y · appointed 2003-06-30 · resigned 2006-03-31

Resigned

MCKENZIE, Kenneth Bell→

director · ~58y · appointed 2002-07-01 · resigned 2012-04-30

Resigned

MCKENZIE, Suzanne→

director · ~58y · appointed 2002-07-01 · resigned 2011-01-31

Resigned

MONTGOMERY, Alan Lauchlan→

director · ~76y · appointed 2003-07-01 · resigned 2005-06-24

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	Virgin Money Clydesdale Bank PLC	A registered charge	—	22/12/2017	11/04/2024
satisfied	Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)	A registered charge	—	14/10/2017	18/12/2017
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Floating charge	1 property	21/01/2000	04/08/2007

Recent filings (140 total)

gazette-dissolved-voluntary

gazette · GAZ2(A)

2026-03-17

gazette-notice-voluntary

gazette · GAZ1(A)

2025-12-30

dissolution-application-strike-off-company

dissolution · DS01

2025-12-18

capital-statement-capital-company-with-date-currency-figure

capital · SH19

2025-12-11

legacy

insolvency · CAP-SS

2025-12-11

legacy

capital · SH20

2025-12-11

resolution

resolution · RESOLUTIONS

2025-12-11

appoint-person-director-company-with-name-date

officers · AP01

2025-12-05

termination-director-company-with-name-termination-date

officers · TM01

2025-12-03

appoint-person-director-company-with-name-date

officers · AP01

2025-12-03

appoint-person-director-company-with-name-date

officers · AP01

2025-12-03

termination-director-company-with-name-termination-date

officers · TM01

2025-12-03

termination-director-company-with-name-termination-date

officers · TM01

2025-12-03

termination-director-company-with-name-termination-date

officers · TM01

2025-12-03

confirmation-statement-with-updates

confirmation-statement · CS01

2025-01-20