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.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 December 2025
Responsible principal firm
Openwork Limited Reference number: 408285 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.
- ALM Financial Ltd (FRN 1002716) is an AR of Openwork Limited (FRN 408285). When you use ALM Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from ALM Financial, 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.
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No website on the FCA register
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Phone number
-
Address
49 Church Street, Portadown, Co Armagh, BT62 3EU, United Kingdom
In the full report: 2 background checks
- What kind of line 028 3839 3050 is
- Who else gives the postcode BT62 3EU
Other names (1)
If you were contacted under any of these names, it is this firm.
- Andrews Loynton & McCulla Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork Limited, 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, freeYou 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 number
- NI701108 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 August 2023 (3 years old)
- Registered office
- 49 Church Street, Portadown, Craigavon, BT62 3EU, Northern Ireland
- Nature of business
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- Activities of open-ended investment companies (SIC 64304)
- Life insurance (SIC 65110)
- Non-life insurance (SIC 65120)
- Pension funding (SIC 65300)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stephen Paul Andrews | Director | Mar 1989 | 30 Aug 2023 | None |
| Luke Timothy Best | Director | Mar 1990 | 30 Aug 2023 | 1 other company |
| Claire Nicholl | Director | May 1984 | 30 Aug 2023 | 1 other company |
| Clodagh Martina Mary Strain-Mcdonnell | Director | May 1967 | 30 Aug 2023 | 1 other company |
Other companies run by these 4 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 company
- 1
- still active
- 1
- run together
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 4 directors run together
Filed accounts and finances
Net assets
£95.3k
+104% from £46.6k
Cash at bank
£172k
+32% from £131k
Employees (average)
12
+9.1% from 11
Owed within a year
£287k
+4.6% from £275k
Assets and liabilities
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 NI701108. 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
ALM Financial’s history from the FCA register and Companies House, newest first.
2023
24 October 2023
- Became an appointed representative
FCA register
30 August 2023
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (2 shown here)
- Every director appointment and resignation: 4
Firms connected to ALM Financial
Other FCA-listed firms that share a director, phone number or address with ALM Financial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- no longer authorised
- 1
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like ALM Financial
Other firms of the same type (financial adviser), nearest first.
In Portadown
In the Belfast (BT) postcode area
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 ALM Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 7 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk