B&N Financial Planning Limited

Reference number: 773587

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • B&N Financial Planning Limited (FRN 773587) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use B&N Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from B&N Financial Planning, 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

  • When bnfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07506 706420 is
  • Who else gives the postcode HP3 0GB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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 number
10624370
Company status
Active
Company type
Private limited company
Incorporated
16 February 2017 (9 years old)
Registered office
113 Shearwater Road, Hemel Hempstead, HP3 0GB, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Navjinder Kaur Keer Director Sep 1979 16 Feb 2017 None
Gursharon Keer Director Oct 1977 16 Feb 2017 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 28 February 2025Micro-entity accountsNot audited

Net assets

−£1,314

Down £1,315 from £1

Employees (average)

1

Same as 1

Owed within a year

−£43.0k

−595% from £8,686

Net assets are negative: on its last balance sheet the company owed £1,314 more than it owned.

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10624370. 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

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

2017

9 March 2017

  • Became an appointed representative

FCA register

16 February 2017

  • Incorporated at Companies House
  • Gursharon Keer took control (75–100% of shares)
  • Navjinder Kaur Keer became a part-owner (25–50% of shares)
  • Gursharon Keer appointed as a director
  • Navjinder Kaur keer appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like B&N Financial Planning

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

In Hemel Hempstead

Biggar Financial Planning LimitedHemel HempsteadAppointed representativeClements Estate Agents LimitedHemel HempsteadAppointed representativeFidelium Financial Planners LimitedHemel HempsteadAppointed representativeOrion Financial Management LimitedHemel HempsteadAppointed representativeSeema RanchanHemel hempsteadAppointed representativeStuart McLarenHemel HempsteadAppointed 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 B&N Financial Planning

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is B&N Financial Planning Limited FCA authorised?
B&N Financial Planning Limited (FRN 773587) 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 B&N Financial Planning?
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. B&N Financial Planning Limited (FRN 773587) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use B&N Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from B&N Financial Planning, 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 B&N Financial Planning’s phone number and website?
The FCA register lists the phone number 07506 706420 and the website bnfinancial.co.uk for B&N Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is B&N Financial Planning a scam or clone?
B&N 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 B&N Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for B&N Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns B&N Financial Planning?
Companies House lists 2 people with significant control of B&N Financial Planning: Mr Gursharon Keer (75–100% of shares) and Ms Navjinder Kaur Keer (25–50% of shares).
Who runs B&N Financial Planning?
Companies House lists 2 directors of B&N Financial Planning: Navjinder Kaur Keer and Gursharon Keer.
How long has B&N Financial Planning been in business?
The company was formed on 16 February 2017.
What do B&N Financial Planning’s latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of −£1,314 (down £1,315 from £1).

Sources and links

The full report on B&N Financial Planning Limited

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