Company Overview
Fintilect Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 09 November 1984, so this is a well established company. Fintilect Limited has been in business for 41 years and 4 months. The accounts status is small and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Sdm Housing Software A3 Elm House, Oaklands Office Park, Hooton, Cheshire, CH66 7NZ
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Companies House Data
Company NameFINTILECT LIMITED
Company Number01862322
Registered Office AddressSdm Housing Software A3 Elm House
 Oaklands Office Park
 CH66 7NZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/11/1984
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategorySMALL
Returns Next Due Date05/12/2016
Returns Last Made Up Date07/11/2015
Previous Company NameChanged Date
INTELLIGENT ENVIRONMENTS EUROPE LIMITED29 May 2024
Directors & Members
Show Resigned
Andrew Humphrey - Director
(British, 46 years old, born August 1980)
Appointed 10 September 2025
 Active
James Mawhinney - Director
(Irish, 42 years old, born September 1984)
Appointed 10 September 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Andrew Humphrey
No companies found
James Mawhinney
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Balance Sheet
Fixed Assets 293,558 293,558 256,000
Current Assets 2,963,492 2,963,492 2,514,705
Creditors Due Within One Year 2,060,510 2,060,510 2,883,403
Working Cap 902,982 902,982 -368,698
Total Assets Less Current Liabilities 1,196,540 1,196,540 -112,698
Long-term Liabilities 2,953,910 2,953,910 12,005,802
Net Assets -1,757,370 -1,757,370 -12,118,500
Share Capital & Reserves
Share Cap 159,897 159,897 159,897
Profit & Loss Reserves -3,627,548 -3,627,548 -13,988,678
Other Reserves 1,710,281 1,710,281 1,710,281
Shareholders Funds -1,757,370 -1,757,370 -12,118,500
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Tangible Fixed Assets - - -
Fixed Assets 9.0% 9.0% 9.2%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 72.3% 72.3% 90.2%
Cash Bank In Hand 18.7% 18.7% 0.6%
Current Assets 91.0% 91.0% 90.8%
Creditors Due Within One Year 63.3% 63.3% 104.1%
Net Current Assets Liabilities 27.7% 27.7% -13.3%
Creditors Due After One Year 90.7% 90.7% 433.3%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -54.0% -54.0% -437.4%
Called Up Share Capital 4.9% 4.9% 5.8%
Share Capital Allotted Called Up Paid 4.9% 4.9% 5.8%
Profit Loss Account Reserve -111.4% -111.4% -504.9%
Shareholder Funds -54.0% -54.0% -437.4%
Capital Employed - - -
Total Assets Less Current Liabilities 36.7% 36.7% -4.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Liquidity Ratio 1.4 1.4 0.9
Solvency Ratio 0.7 0.7 0.2
Reserves to Assets -1.1 -1.1 -5.0
Secured Creditors Unlock full report
Mortgages Charges 9
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 9
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Assets 3,257,050 3,257,050 2,770,705
Debt 5,014,420 5,014,420 14,889,205
Net Assets/Debt -1,757,370 -1,757,370 -12,118,500

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Notification of a person with significant control statement
Registered office address changed from , 128 City Road, London, EC1V 2NX, England to Sdm Housing Software a3 Elm House Oaklands Office Park Hooton Cheshire CH66 7NZ on 11 September 2025
Termination of appointment of Robert Littlewood as a director on 10 September 2025
Termination of appointment of Alan Ka Wai Chan as a director on 10 September 2025
Appointment of James Mawhinney as a director on 10 September 2025
Appointment of Andrew Humphrey as a director on 10 September 2025
Cessation of Fintilect Holdings Limited as a person with significant control on 10 September 2025
Confirmation statement made on 10 July 2025 with updates
Notification of Fintilect Holdings Limited as a person with significant control on 29 September 2023
Cessation of Rami Cassis as a person with significant control on 29 September 2023
Confirmation statement made on 12 November 2024 with updates
Memorandum and Articles of Association
Resolutions
Certificate of change of name
Confirmation statement made on 3 January 2024 with no updates
Appointment of Mr Alan Ka Wai Chan as a director on 2 April 2024
Termination of appointment of Jeremy Paul Young as a director on 2 April 2024
Termination of appointment of Arthur Christopher Callow as a director on 2 May 2023
Appointment of Mr Arthur Christopher Callow as a director on 25 April 2023
Confirmation statement made on
Memorandum and Articles of Association
Resolutions
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