INTELLIGENT PENSIONS LIMITED

🌳Matureactive

SC107284 · ltd · incorporated 1987-10-26

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

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Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

81/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (60/100)

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

No iXBRL financials extracted

Lenders & charges

Confirmed no charges registered

Directors & officers

15 officers (6 active, 15 linked, 11 with DOB)

Ownership & PSC

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

Director network

13 connected companies via shared directors

Filing history

152 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (38 events)Click to expand

2025-10-28
➕
MACDOUGALL, Jacqueline appointed
secretary
2025-10-28
➖
SHEDDEN, Graham Hamilton resigned
secretary
2025-10-28
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-10-28
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-06-04
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-11
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-22
📄
accounts-with-accounts-type-full
accounts · AA
2022-09-29
📄
accounts-with-accounts-type-full
accounts · AA
2021-12-07
📄
change-person-director-company-with-change-date
officers · CH01
2021-12-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-16
📄
accounts-with-accounts-type-full
accounts · AA
2020-08-21
📄
accounts-with-accounts-type-full
accounts · AA
2020-05-18
📄
change-person-director-company-with-change-date
officers · CH01
2020-05-18
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-05-01
📄
accounts-with-accounts-type-full
accounts · AA
2018-05-11
📄
accounts-with-accounts-type-full
accounts · AA
2017-11-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2017-11-01
➕
TAIT, Fiona appointed
director
2017-09-19
📄
accounts-with-accounts-type-full
accounts · AA
2015-05-13
➖
TRENNER, David resigned
director
2015-01-23
➕
PENNIE, Andrew appointed
director
2013-03-20
➖
COMBER, Stanley James resigned
director
2012-03-20
➕
MORET, Anthony John appointed
director
2012-03-20
➖
PATERSON, Maurice Dinsmore resigned
director
2010-05-31
➖
WADDELL, Murray resigned
director
2010-01-01
➕
TRENNER, David appointed
director
2009-04-01
➕
KEARNEY, Douglas Richard appointed
director
1999-01-01
➕
WADDELL, Murray appointed
director
1998-05-27
➕
COMBER, Stanley James appointed
director
1998-05-27
➖
PATTERSON, Teresa Marie resigned
director
1998-03-04
➖
PATTERSON, Teresa Marie resigned
secretary
1998-03-04
➕
SHEDDEN, Graham Hamilton appointed
secretary
1998-03-04
➕
PATERSON, Maurice Dinsmore appointed
director
1996-06-24
➖
PATTERSON, Francis David resigned
secretary
1996-06-24
➕
PATTERSON, Teresa Marie appointed
secretary
1996-06-24
➖
PATTERSON, Francis David resigned
director
1996-06-24
➕
PATTERSON, Teresa Marie appointed
director
1987-10-26
🏢
Company incorporated
As INTELLIGENT PENSIONS LIMITED

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 17 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Anthony Stephen Patterson Individual · British · DOB 02/1956 · age 70	25–50%	—	25-50% shares	06/04/2016

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.

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

🔒Tailored diligence questions

7 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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated1987-10-26

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Cadell House

27 Waterloo Street

Glasgow

G2 6BZ

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-25

Last: 2026-03-11