Intelligent Money Ltd

Reference number: 219473

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    Alexander Watkins + Kristina Kicks, Interpath Advisory, INTERPATH LTD, 10 Fleet Place,, London, EC4M 7RB, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode EC4M 7RB
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Other names (49)

If you were contacted under any of these names, it is this firm.

  • Amber Group Personal Pension Trading name
  • Amber SIPP Trading name
  • Beaufort Financial Personal Pension Trading name
  • Beaufort Financial SIPP Trading name
  • Braemar Pension & SIPP Trading name
  • Cash Retirement Account Trading name
  • Chilcomb Wealth SIPP Trading name
  • Fusion Pension Trading name
  • Fusion SIPP Trading name
  • GHC Foundation SIPP Trading name
  • Hubwise Personal Pension Trading name
  • Hubwise SIPP Trading name
  • IM Optimum SIPP Trading name
  • Intelligent Pension Trading name
  • Intelligent SIPP Trading name
  • iPension Trading name
  • iSIPP Trading name
  • Pennine Wealth Solutions Personal Pension Plus Trading name
  • Private Client Programme SIPP Trading name
  • Qualifying Workplace Pension Trading name
  • The Wise Sipp Trading name
  • True Potential Pension Trading name
  • True Potential SIPP Trading name
  • VisionWealth Retirement Account Trading name
  • VisionWealth SIPP Trading name
  • Wealth Platform SIPP Trading name
  • Wealth Solutions Service Personal Pension Plus Trading name
  • Pensionwise Limited Former name
  • 7IM SIPP Former trading name
  • Amber Group Pension Former trading name
  • Amber Group SIPP Former trading name
  • Amber Pension Former trading name
  • Frequent Trader SIPP Former trading name
  • Intelligent Group Pension Former trading name
  • Intelligent Group SIPP Former trading name
  • Paradigm Group Pension Former trading name
  • Paradigm Group SIPP Former trading name
  • Paradigm Pension Former trading name
  • Paradigm SIPP Former trading name
  • Parmenion Personal Pension Former trading name
  • Parmenion SIPP Former trading name
  • Perspective SIPP Former trading name
  • Simply Pension Former trading name
  • Simply SIPP Former trading name
  • True Potential Group Pension Former trading name
  • True Potential Group SIPP Former trading name
  • Vision Retirement Account Former trading name
  • Vision SIPP Former trading name
  • Wealth Solution Service Personal Pension Plus Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 020 8089 0280
Fake email addresses (1)
  • yan.sobitski@intelligentmoney.club
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
Show FCA detail (5 permissions)
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Dealing in investments as principal
  • Establishing/operating/winding up a personal pension scheme
  • Making arrangements with a view to transactions in investments

Limits on the record

  • Asset Restriction Requirement
    The Firm must not, without the prior written consent of the FCA, in any way dispose of, withdraw, transfer, deal with or diminish the value of any of its own assets, and any funds it holds for, or to the order of, its customers (whether in the United Kingdom or elsewhere), or take any steps which could have the same or a similar effect. The assets restriction does not apply to monetary payments or the disposal of assets made by the Firm in the ordinary course of business, amounting to no more than £20,000 whether as a single transaction or a combination of related transactions. The following payments shall not be regarded as payments in the ordinary course of business: Payments of unusual or significant amounts to the Firm’s controllers, shareholders, directors, officers, employees or any connected persons. The making of any capital distribution. The making of any gift or loan by the Firm to any party. Payments made as part of any financial restructuring or reorganisation of its business (whether share or asset based). The assets restriction does not apply to: Transactions giving effect to instructions initiated by customers. Payments of funds to the Firm’s suppliers in the ordinary course of business and in satisfaction of the Firm’s contractual and legal obligations. Usual and proper salary payments made by the Firm. For the avoidance of doubt, this requirement is an assets requirement pursuant to section 55P(4)(a) of FSMA.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

  • Companies House records this company in liquidation, but it is still authorised on the FCA register.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company name
INTELLIGENT MONEY LIMITED
Company number
04398291
Company status
Liquidation
Company type
Private limited company
Incorporated
19 March 2002 (24 years old)
Registered office
C/O Interpath Advisory, 10 Fleet Place, London, EC4M 7RB
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Julian Jeffrey Penniston-Hill Director Jun 1970 19 Mar 2002 5 other companies
Jeffrey Ian Penniston Director Apr 1945 10 Nov 2008 6 other companies
Christopher Mark Sutton Director Dec 1962 1 Oct 2009 5 other companies
Roland Spencer Norman Malkin Secretary Not published 2 Dec 2003 –

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
15
closed down
10
run together
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2022Small company accountsNot audited

Total equity

£1.50m

<1% from £1.49m

Cash at bank

£215k

−38% from £345k

Employees (average)

33

−5.7% from 35

Owed within a year

£181k

+4.1% from £174k

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 04398291. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Intelligent Money’s history from the FCA register and Companies House, newest first.

Key events (8) All events (97)

2024

2 February 2024

  • FCA imposed a requirement (Asset Restriction Requirement)

FCA register

2020

20 February 2020

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Julian Penniston-Hill took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

21 January 2004

  • Changed its registered name from "Pensionwise Limited"

FCA register

2003

6 August 2003

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

19 March 2002

  • Incorporated at Companies House

Companies House

In the full report: all 97 events

  • All 97 events in its history (8 shown here)
  • Every director appointment and resignation: 17
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Get the full report on Intelligent Money

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 15 other companies its directors have run, named
  • 1 background check on its contact details
  • 4 years of accounts, charted
  • All 97 events in its history

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Frequently asked questions about this firm

Is Intelligent Money Ltd FCA authorised?
Yes, Intelligent Money Ltd (FRN 219473) is authorised by the FCA to carry out regulated activities. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm. It has held its current authorisation since August 2003. The FCA has placed a limit on what it may do.
Is Intelligent Money a scam or clone?
Scammers have impersonated Intelligent Money: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Intelligent Money, shown on this page.
Is my money safe with Intelligent Money?
Intelligent Money is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Intelligent Money?
Companies House lists one person with significant control of Intelligent Money: Julian Penniston-Hill (75–100% of shares).
Who runs Intelligent Money?
Companies House lists 3 directors of Intelligent Money: Julian Jeffrey Penniston-Hill, Jeffrey Ian Penniston and Christopher Mark Sutton.
How long has Intelligent Money been in business?
The company was formed on 19 March 2002. Companies House now lists it as liquidation.
What do Intelligent Money’s latest accounts show?
Its latest accounts, to 30 September 2022, show total equity of £1.50m (<1% from £1.49m) and cash at bank of £215k (−38% from £345k). Its accounts are overdue at Companies House.
Does Intelligent Money use any other names?
It trades as Amber Group Personal Pension, Amber SIPP, Beaufort Financial Personal Pension, Beaufort Financial SIPP and Braemar Pension & SIPP, and 22 more names. It has previously used 22 other names, including Pensionwise Limited, 7IM SIPP and Amber Group Pension.

Sources and links

The full report on Intelligent Money Ltd

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