APFS Financial Solutions LLP

Reference number: 990500

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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.

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.

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

    01254 681714

  • Address

    5 & 6 Cunningham Court, Shadsworth Business Park, Lions Drive, Blackburn, BB1 2QX, United Kingdom

In the full report: 2 background checks

  • What kind of line 01254 681714 is
  • Who else gives the postcode BB1 2QX
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Other names (3)

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

  • AP Financial Planning Services Trading name
  • APFS Trading name
  • Business Wills Trading name

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
OC360087
Company status
Active
Company type
Limited liability partnership
Incorporated
7 December 2010 (15 years old)
Registered office
6 Cunningham Court, Blackburn, Lancashire, BB1 2QX, England

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Squires LLP designated member Oct 1956 7 Dec 2010 6 other companies
Benjamin Squires LLP designated member Nov 1983 7 Dec 2010 2 other companies
Lynda Jean Squires LLP member Dec 1953 5 Dec 2012 3 other companies
Brian Philip Dickinson LLP member Apr 1963 6 Apr 2013 None
Daniel John Grogan LLP member Mar 1986 6 Apr 2013 None
Angus Neal Whitehead LLP member Oct 1994 1 Dec 2017 None
Christopher Geoffrey Mcguire LLP member Apr 1988 1 Dec 2019 None

Other companies run by these 7 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
6
closed down
6
run together
4

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 7 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 companies these 7 directors run together
  • All 13 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£10.1k

+47% from £6,833

Cash at bank

£19.4k

−45% from £35.5k

Employees (average)

0

Same as 0

Owed within a year

£65.9k

+40% from £47.1k

The accounts for the year to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £584k, for the year to 31 March 2023.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company OC360087. 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

APFS Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (22)

2023

25 July 2023

  • Benjamin Squires became a part-owner (25–50% of shares)

Companies House

23 January 2023

  • Status on the FCA register became "PSD Agent"

FCA register

2016

7 December 2016

  • Paul Squires gained significant control

Companies House

2010

7 December 2010

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (4 shown here)
  • Every director appointment and resignation: 15
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Firms connected to APFS Financial Solutions

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

connected firm
1
no longer authorised
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Get the full report on APFS Financial Solutions

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

  • 6 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 22 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is APFS Financial Solutions LLP FCA authorised?
APFS Financial Solutions LLP (FRN 990500) 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 APFS Financial Solutions’ phone number?
The FCA register lists the phone number 01254 681714 for APFS Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is APFS Financial Solutions a scam or clone?
APFS Financial Solutions 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 APFS Financial Solutions?
APFS Financial Solutions 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 APFS Financial Solutions?
Companies House lists 2 people with significant control of APFS Financial Solutions: Mr Benjamin Squires (25–50% of surplus assets) and Mr Paul Squires (significant influence or control).
Who runs APFS Financial Solutions?
Companies House lists 7 directors of APFS Financial Solutions: Paul Squires, Benjamin Squires, Lynda Jean Squires, Brian Philip Dickinson, Daniel John Grogan, Angus Neal Whitehead and 1 more.
How long has APFS Financial Solutions been in business?
The company was formed on 7 December 2010.
What do APFS Financial Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £10.1k (+47% from £6,833) and cash at bank of £19.4k (−45% from £35.5k).
Does APFS Financial Solutions use any other names?
It trades as AP Financial Planning Services, APFS and Business Wills.

Sources and links

The full report on APFS Financial Solutions LLP

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