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Intelligent Money Limited Is Intelligent Money Limited in creditors' voluntary liquidation?
Last verified 5 June 2026
Yes, Intelligent Money Limited (company number 04398291) entered creditors' voluntary liquidation on 31 October 2024, by its creditors. Richard Heis of Interpath Advisory was appointed as liquidator.
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Intelligent Money Limited is now in creditors' voluntary liquidation. Below are the key dates, the directors, the public-record timeline that led here, and what the liquidation means if you are a creditor, employee, customer or supplier.
How the case progressed
Administration
10 June 2024 · Interpath Advisory
Creditors' voluntary liquidation
31 October 2024 · Interpath Advisory
Company at a glance
| Status | In Creditors' Voluntary Liquidation |
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| Company number | 04398291 |
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| Previously known as | - Pensionwise Limited, Mar 2002 to Jan 2004
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| Incorporated | 19 March 2002 (24 years old) |
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| Registered office | C/O Interpath Advisory, 10 Fleet Place, London, EC4M 7RB |
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| Nature of business (SIC) | 82990: Other business support service activities n.e.c. |
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| Date entered creditors' voluntary liquidation | 31 October 2024 |
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| Liquidator | Richard Heis, Interpath Advisory (licensed insolvency practitioner) |
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| Official notice | View the official notice ↗ |
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| Statement of Affairs | Filed 19 October 2024, declared assets & liabilities ↗ |
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| Public register | View filing history ↗ |
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About the business
Intelligent Money Limited is a UK limited company based in London, incorporated in 2002 and 22 years old when the liquidator was appointed. Its registered activity is other business support service activities n.e.c. (SIC 82990). There have been 14 director appointments since incorporation, of which 4 were on the board when the liquidator was appointed, alongside 1 person with significant control. 25 charges have been registered against the company, 9 of which are still outstanding.
Directors
14 people have been appointed as directors of Intelligent Money Limited.
DirectorStatusAppointedResigned
+8 former directors · resigned 2002 to 2022
A director resignation shortly before an insolvency is a matter of public record; it does not by itself imply wrongdoing.
Persons with significant control
Individuals or entities with significant influence or control.
Julian Penniston-Hill
individual person with significant control · British · United Kingdom
Ownership of shares 75-100%Voting rights 75-100%
Charges register
Secured creditors and encumbrances against the company. 9 outstanding · 16 satisfied.
Status · Creditor · Type · Dates
OutstandingCoutts & Company
A registered charge · Created 15 Feb 2021 · Pending
OutstandingSvenska Handelsbanken Ab (Publ)
A registered charge · Created 11 Dec 2015 · Pending
OutstandingSvenska Handelsbanken Ab (Publ)
A registered charge · Created 11 Dec 2015 · Pending
SatisfiedYorkshire Building Society (Trading as Norwich & Peterborough Building Society)
A registered charge · Created 21 Aug 2015 · Satisfied 22 Nov 2024
SatisfiedYorkshire Building Society (Trading as Norwich & Peterborough Building Society)
A registered charge · Created 21 Aug 2015 · Satisfied 22 Nov 2024
+19 earlier charges · 2007 to 2015
SatisfiedLloyds Bank PLC
A registered charge · Created 4 Aug 2015 · Satisfied 22 Nov 2024
SatisfiedBarclys Bank PLC
A registered charge · Created 5 Jun 2015 · Satisfied 22 Nov 2024
OutstandingNational Westminster Bank PLC
A registered charge · Created 20 Dec 2013 · Pending
OutstandingBank of Scotland PLC
A registered charge · Created 15 Nov 2013 · Pending
SatisfiedHsbc Bank PLC
A registered charge · Created 16 Oct 2013 · Satisfied 22 Nov 2024
SatisfiedThe Royal Bank of Scotland PLC
A registered charge · Created 27 Aug 2013 · Satisfied 22 Nov 2024
OutstandingBe Commercial Limited
A registered charge · Created 22 Aug 2013 · Pending
OutstandingLloyds Tsb Bank PLC
A registered charge · Created 1 Aug 2013 · Pending
SatisfiedHsbc Bank PLC
A registered charge · Created 7 May 2013 · Satisfied 22 Nov 2024
SatisfiedHsbc Bank PLC
A registered charge · Created 7 May 2013 · Satisfied 22 Nov 2024
SatisfiedHsbc Bank PLC
A registered charge · Created 7 May 2013 · Satisfied 22 Nov 2024
SatisfiedBailes (Hr) LTD
Legal charge · Created 8 Feb 2013 · Satisfied 22 Nov 2024
OutstandingBarclays Bank PLC
Legal charge · Created 1 Aug 2012 · Pending
SatisfiedNational Westminster Bank PLC
Legal charge · Created 11 Jun 2012 · Satisfied 18 Oct 2017
OutstandingMetro Bank PLC
Legal mortgage · Created 16 Mar 2012 · Pending
SatisfiedNational Westminster Bank PLC
Legal charge · Created 26 Aug 2011 · Satisfied 22 Nov 2024
SatisfiedBarclays Bank PLC
Legal charge · Created 13 Jun 2011 · Satisfied 18 Aug 2011
SatisfiedUlster Bank Limited
Mortgage/charge & counterpart · Created 10 Jun 2009 · Satisfied 22 Nov 2024
SatisfiedThe Royal Bank of Scotland PLC
Debenture · Created 16 Jan 2007 · Satisfied 13 Feb 2010
SatisfiedYorkshire Building Society
Mortgage · Created 4 Apr 2006 · Satisfied 22 Nov 2024
What happened
EventDateType
Liquidators' statement of receipts and payments30 December 2025LIQ03
Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 +145 earlier events · 2002 to 2024
Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Satisfaction of charge in full22 November 2024MR04 Appointment of a voluntary liquidator15 November 2024600
Administrator's progress report31 October 2024AM10 Notice of move from Administration case to Creditors Voluntary Liquidation31 October 2024AM22 Statement of affairs19 October 2024AM02 Notice of deemed approval of proposals8 July 2024AM06
Statement of administrator's proposal19 June 2024AM03 Registered office address changed10 June 2024AD01 Appointment of an administrator10 June 2024AM01 Part of the property or undertaking has been released and no longer forms part of charge8 May 2024MR05 Termination of appointment as a director4 December 2023TM01 Termination of appointment as a director4 September 2023TM01 Confirmation statement made with updates4 August 2023CS01 Total exemption full accounts made up29 June 2023AA Confirmation statement made with no updates1 November 2022CS01 Appointment as a director9 September 2022AP01 Termination of appointment as a director22 August 2022TM01 Total exemption full accounts made up28 June 2022AA Confirmation statement made with no updates8 November 2021CS01 Director's details changed8 November 2021CH01 Total exemption full accounts made up30 June 2021AA Appointment as a director4 May 2021AP01 Registration of charge , created17 February 2021MR01 Confirmation statement made with no updates11 November 2020CS01 Total exemption full accounts made up30 June 2020AA Termination of appointment as a director28 April 2020TM01 Confirmation statement made with updates17 September 2019CS01 Total exemption full accounts made up27 June 2019AA Confirmation statement made with updates4 September 2018CS01 Total exemption full accounts made up27 June 2018AA Confirmation statement made with no updates27 March 2018CS01 Satisfaction of charge in full18 October 2017MR04 Total exemption small company accounts made up3 May 2017AA Confirmation statement made with updates18 April 2017CS01 Termination of appointment as a director2 March 2017TM01 Director's details changed1 March 2017CH01 Director's details changed1 March 2017CH01 Director's details changed1 March 2017CH01 Director's details changed1 March 2017CH01 Director's details changed1 March 2017CH01 Appointment as a director12 April 2016AP01 Annual return made up with full list of shareholders31 March 2016AR01 Total exemption small company accounts made up23 March 2016AA Registration of charge , created15 December 2015MR01 Registration of charge , created15 December 2015MR01 Registration of charge , created26 August 2015MR01 Registration of charge , created26 August 2015MR01 Registration of charge , created15 August 2015MR01 Registration of charge , created26 June 2015MR01 Annual return made up with full list of shareholders17 April 2015AR01 Total exemption small company accounts made up16 April 2015AA Annual return made up with full list of shareholders20 May 2014AR01 Director's details changed20 May 2014CH01 Director's details changed6 May 2014CH01 Total exemption small company accounts made up27 March 2014AA Registration of charge24 December 2013MR01 Registration of charge21 November 2013MR01 Registration of charge17 October 2013MR01 Director's details changed17 September 2013CH01 Registration of charge3 September 2013MR01 Registration of charge30 August 2013MR01 Registration of charge3 August 2013MR01 Total exemption small company accounts made up27 June 2013AA Statement of capital following an allotment of shares24 May 2013SH01 Registration of charge17 May 2013MR01 Registration of charge17 May 2013MR01 Registration of charge17 May 2013MR01 Annual return made up with full list of shareholders1 May 2013AR01 Legacy20 February 2013MG01 Legacy21 September 2012MG06
Total exemption small company accounts made up28 June 2012AA Annual return made up with full list of shareholders13 June 2012AR01 Legacy13 September 2011MG01 Total exemption small company accounts made up30 June 2011AA Annual return made up with full list of shareholders8 June 2011AR01 Total exemption small company accounts made up30 June 2010AA Termination of appointment as a director21 April 2010TM01 Director's details changed21 April 2010CH01 Director's details changed21 April 2010CH01 Annual return made up with full list of shareholders21 April 2010AR01 Secretary's details changed21 April 2010CH03 Director's details changed21 April 2010CH01 Director's details changed21 April 2010CH01 Legacy17 February 2010MG02 Appointment as a director22 October 2009AP01 Total exemption small company accounts made up4 August 2009AA Legacy12 January 2009288a Legacy12 January 2009288a Legacy14 November 2008288a Legacy3 September 2008287 Total exemption small company accounts made up31 July 2008AA Total exemption small company accounts made up30 June 2008AA Total exemption small company accounts made up27 June 2008AA Legacy4 May 2007353
Full accounts made up27 June 2006AA Legacy18 January 2005363s Legacy18 January 2005288c Legacy23 September 2004288a Full accounts made up23 January 2004AA Certificate of change of name16 January 2004CERTNM Legacy11 December 2003288b Legacy11 December 2003287 Legacy11 December 2003288a Legacy11 December 2003288b Legacy11 December 2003288c Incorporation19 March 2002NEWINC What this means for you
If you are a creditor
Submit your proof of debt to the liquidator (Interpath Advisory). Once liquidation begins, no creditor can start or continue legal action without the court's permission. Unsecured creditors rank after secured and preferential creditors and are usually paid last, often only a portion.
Owed money by a company in liquidation →If you are an employee
Employees are preferential creditors for certain unpaid wages and holiday pay, and may be able to claim from the Redundancy Payments Service if roles are made redundant.
Employee rights and redundancy pay →If you are a customer
Deposits paid are usually unsecured claims. Contracts may be terminated by the liquidator. Contact the liquidator about outstanding work or refunds.
What customers can recover →If you are a supplier
Goods supplied before the liquidation began are an unsecured claim. Check whether any retention-of-title clause lets you identify and recover specific goods.
How retention of title works →Don't be the last to know next time
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Related guides
The bigger picture
Frequently asked questions
- Is Intelligent Money Limited in creditors' voluntary liquidation?
- Yes. Intelligent Money Limited (company number 04398291) entered creditors' voluntary liquidation on 31 October 2024, by its creditors. Richard Heis of Interpath Advisory was appointed as liquidator.
- Who is the liquidator of Intelligent Money Limited?
- Richard Heis, a licensed insolvency practitioner at Interpath Advisory, was appointed liquidator of Intelligent Money Limited on 31 October 2024. Creditors can contact the liquidator directly to submit a claim.
- What does Intelligent Money Limited do?
- Intelligent Money Limited's registered nature of business is other business support service activities n.e.c. (SIC 82990).
- Where is Intelligent Money Limited based?
- Intelligent Money Limited's registered office is C/O Interpath Advisory, 10 Fleet Place, London, EC4M 7RB. The registered office is the address held on the public register, which is not always the trading address.
- When was Intelligent Money Limited founded?
- Intelligent Money Limited was incorporated on 19 March 2002, 22 years before the liquidator was appointed.
- What is Intelligent Money Limited's company number?
- Intelligent Money Limited's registered company number is 04398291.
- Who has significant control of Intelligent Money Limited?
- 1 active person with significant control over Intelligent Money Limited is on the register: Julian Penniston-Hill.
- Does Intelligent Money Limited have any outstanding charges?
- 9 outstanding charges are registered against Intelligent Money Limited out of 25 on file. Outstanding charges represent secured creditors who rank ahead of unsecured creditors in any recovery.
- What does liquidation mean for creditors of Intelligent Money Limited?
- Liquidation is the formal wind-up of a company. Once it begins, the liquidator collects assets, settles claims in statutory order (secured, preferential, then unsecured) and distributes whatever remains. Unsecured creditors often recover only a portion of what they are owed, and sometimes nothing.
- How long does liquidation take?
- Most liquidations run for 12 to 24 months, longer where the company has complex assets, litigation, or ongoing trading. Annual progress reports are filed by the liquidator until the company is dissolved at the end of the process.
- Will creditors get paid in Intelligent Money Limited's liquidation?
- Secured creditors are paid from the assets they hold a charge over. Preferential creditors (employee wages up to limits, pension contributions, HMRC for certain taxes) come next. Unsecured creditors share whatever remains, which may be nothing. The Statement of Affairs, when filed, sets out the liquidator's estimate at the point of appointment.
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