Acumen Financial Planning Limited: FCA regulated?

Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Agent for 2 years
No FCA actions
Active company since 2001
Accounts filed up to 31 October 2025
Your funds are not FSCS protected

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 218745 →.

Responsible principal firm

Moneyinfo Limited Reference number: 806043 Registered View firm →

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Acumen Financial Planning Limited Reference number: 218745 Authorised

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
Phone number

01224 392350
Address

Unit 4, Kingshill Park, Venture Drive, Arnhall Business Park, Westhill, Aberdeenshire, AB32 6FL, United Kingdom

In the full report: 2 background checks

What kind of line 01224 392350 is, and the other firm that gives it
Who else gives the postcode AB32 6FL

Past FCA permissions and consumer protection

Protection works through the principal
This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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 number: SC215343 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 February 2001 (25 years old)
Registered office: 4 Kingshill Park, Venture Drive, Arnhall Business Park, Westhill, Aberdeenshire, AB32 6FL, Scotland
Nature of business: Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Alexander George Robertson	Director	Aug 1952	9 May 2001	1693 other companies
David Gow	Director	Feb 1979	12 Dec 2014	5 other companies
Keith Mackie	Director	May 1968	12 Dec 2014	7 other companies
Kevin Murray Mackenzie	Director	Apr 1981	10 Nov 2023	1 other company
Rhian Sarah Morgan	Director	Mar 1983	10 Nov 2023	None
Laura Crowe	Director	Jul 1979	7 Apr 2025	2 other companies

Other companies run by these 6 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: 1695
closed down: 1542
went insolvent: 4

In the full report: all 1695 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
The 4 that went into liquidation or administration
The 2 on the FCA register
The 7 companies these 6 directors run together
All 9 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 October 2025Full accountsAudited

Turnover

£8.53m

+6.7% from £8.00m

Profit before tax

£1.48m

+23% from £1.21m

Net assets

£1.15m

+9.1% from £1.05m

Cash at bank

£347k

−1% from £351k

Turnover and profit

In the full report: all 7 years of accounts

Every year from 2019 to 2025
Both charts, over every year
Every filed figure, year by year

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.

Accounts filed at Companies House for company SC215343. 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

Acumen Financial Planning’s history from the FCA register and Companies House, newest first.

Key events (3) All events (14)

2024

17 July 2024

Status on the FCA register became "PSD Agent"

FCA register

2017

12 July 2017

The Financial Planning Group Limited took control (75–100% of shares)

Companies House

2001

2 February 2001

Incorporated at Companies House

Companies House

In the full report: all 14 events

All 14 events in its history (3 shown here)
Every director appointment and resignation: 11

Firms connected to Acumen Financial Planning

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

connected firms: 2
share its phone number: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates

Get the full report on Acumen Financial Planning

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

1695 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 14 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Acumen Financial Planning Limited FCA authorised?

Acumen Financial Planning Limited (FRN 1017145) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.

What is Acumen Financial Planning’s phone number?

The FCA register lists the phone number 01224 392350 for Acumen Financial Planning. 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 Acumen Financial Planning a scam or clone?

Acumen Financial Planning 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 Acumen Financial Planning?

Acumen Financial Planning is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.

Who owns Acumen Financial Planning?

Acumen Financial Planning is owned by The Financial Planning Group Limited, which holds 75–100% of shares and 75–100% of votes, since 12 July 2017.

Who runs Acumen Financial Planning?

Companies House lists 6 directors of Acumen Financial Planning: Alexander George Robertson, David Gow, Keith Mackie, Kevin Murray Mackenzie, Rhian Sarah Morgan and Laura Crowe.

How long has Acumen Financial Planning been in business?

The company was formed on 2 February 2001.

What do Acumen Financial Planning’s latest accounts show?

Its latest accounts, to 31 October 2025, show turnover of £8.53m (+6.7% from £8.00m) and profit before tax of £1.48m (+23% from £1.21m).