3DIFS Ltd

Reference number: 457891

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

FSJC Ltd Reference number: 587643 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • 3DIFS Ltd (FRN 457891) is an AR of FSJC Ltd (FRN 587643). When you use 3DIFS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from 3DIFS, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When 3difs.com first appeared online, and whether it can receive email
  • What kind of line 01676 525390 is, and the other firm that gives it
  • Who else gives the postcode CV5 9RG
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Other names (8)

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

  • 3di Employee Benefits Trading name
  • 3di Wealth Management Trading name
  • 3di Wealth Management & Employee Benefits Trading name
  • Isaacs Wealth & Benefits Trading name
  • Isaacs Financial Services Ltd Former name
  • 3D IFS Employee Benefits & Wealth Management Former trading name
  • 3D IFS Wealth Management & Employee Benefits Former trading name
  • McCranors Financial Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through FSJC Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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.

Companies House record

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

Company name
3DIFS LIMITED
Company number
05944067
Company status
Active
Company type
Private limited company
Incorporated
22 September 2006 (20 years old)
Registered office
Unit 1 Elm Court, Meriden Green Business Park Copse Drive, Coventry, CV5 9RG
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Terence Isaacs Director Sep 1962 26 Sep 2006 9 other companies
Jennifer Anne Pearce Director May 1986 27 Jan 2015 2 other companies
Jonathan Terence Isaacs Secretary Not published 26 Sep 2006 9 other companies

Other companies run by these 2 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
10
closed down
6
is FCA-registered
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£778k

−18% from £950k

Cash at bank

£681k

+36% from £499k

Employees (average)

12

−25% from 16

Owed within a year

£502k

+113% from £236k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 05944067. 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

3Difs’s history from the FCA register and Companies House, newest first.

Key events (8) All events (26)

2017

31 January 2017

  • 3difs Group Limited took control (75–100% of shares)
  • Jonathan Terence Isaacs stopped being a part-owner
  • Kevin Joseph Mark Condon stopped being a part-owner

Companies House

2016

6 April 2016

  • Jonathan Terence Isaacs became a part-owner (25–50% of shares)
  • Kevin Joseph Mark Condon became a part-owner (25–50% of shares)

Companies House

2013

21 March 2013

  • Changed its registered name from "Isaacs Financial Services Ltd"

FCA register

2006

29 September 2006

  • Became an appointed representative

FCA register

22 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (8 shown here)
  • Every director appointment and resignation: 8
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Firms connected to 3Difs

Other FCA-listed firms that share a director, phone number or address with 3Difs. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share a director
1
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like 3Difs

Other firms of the same type (financial adviser), nearest first.

In Coventry

Common Sense Financial Planning LtdCoventryAppointed representativeEdwards Wealth LtdCoventryAppointed representativeGenesis Wealth Creation LimitedCoventryAppointed representativeGodiva Financial Planning LtdCoventryAppointed representativeHorizon Financial Services LtdCoventryAppointed representativeJalapeno (UK) LimitedCoventryAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on 3Difs

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 26 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is 3DIFS Ltd FCA authorised?
3DIFS Ltd (FRN 457891) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for 3Difs?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. 3DIFS Ltd (FRN 457891) is an AR of FSJC Ltd (FRN 587643). When you use 3Difs's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from 3Difs, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is 3Difs’ phone number and website?
The FCA register lists the phone number 01676 525390 and the website 3difs.com for 3Difs. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is 3Difs a scam or clone?
3Difs is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with 3Difs?
Protection works through FSJC Ltd, the principal firm responsible for 3Difs's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns 3Difs?
3Difs is owned by 3difs Group Limited, which holds 75–100% of shares, since 31 January 2017. Before that, it was controlled by Mr Jonathan Terence Isaacs and Mr Kevin Joseph Mark Condon.
Who runs 3Difs?
Companies House lists 2 directors of 3Difs: Jonathan Terence Isaacs and Jennifer Anne Pearce.
How long has 3Difs been in business?
The company was formed on 22 September 2006.
What do 3Difs’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £778k (−18% from £950k) and cash at bank of £681k (+36% from £499k).
Does 3Difs use any other names?
It trades as 3di Employee Benefits, 3di Wealth Management, 3di Wealth Management & Employee Benefits and Isaacs Wealth & Benefits. It has previously used 4 other names, including Isaacs Financial Services Ltd, 3D IFS Employee Benefits & Wealth Management and 3D IFS Wealth Management & Employee Benefits.

Sources and links

The full report on 3DIFS Ltd

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