B & S Financial Management Limited

Reference number: 126243

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 bandsfinancialmanagement.co.uk first appeared online, and whether it can receive email
  • What kind of line 01925 909620 is
  • Who else gives the postcode WA2 7NG
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Other names (1)

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

  • Sterling Financial Planning Limited Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

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
02044622
Company status
Active
Company type
Private limited company
Incorporated
7 August 1986 (40 years old)
Registered office
The Base, Dallam Lane, Warrington, Cheshire, WA2 7NG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Parkin Director Dec 1978 1 Oct 2014 None
Christopher Porritt Director Aug 1952 17 Aug 2015 3 other companies
Paul Richard Wilson Director Feb 1958 29 Dec 2016 7 other companies
Philip John Roberts Director Dec 1949 Not published 5 other companies

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 companies
12
closed down
9
run together
3

In the full report: all 12 companies, 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 3 companies these 4 directors run together
  • All 18 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Total equity

£160k

+62% from £98.6k

Cash at bank

£257k

+44% from £179k

Owed within a year

£101k

+25% from £80.6k

Total equity

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 02044622. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (10) All events (41)

2023

30 March 2023

  • Christopher Porritt stopped being a part-owner
  • Phillip John Roberts stopped being a part-owner

Companies House

2016

6 April 2016

  • Christopher Porritt became a part-owner (25–50% of shares)
  • Phillip John Roberts became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

24 July 2001

  • Changed its registered name from "Sterling Financial Planning Limited"

FCA register

1995

14 August 1995

  • Regulated by the Personal Investment Authority from this date

FCA register

1986

7 August 1986

  • Incorporated at Companies House

Companies House

In the full report: all 41 events

  • All 41 events in its history (10 shown here)
  • Every director appointment and resignation: 27
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Firms connected to B & S Financial Management

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like B & S Financial Management

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

In Warrington

Ashley Kneale Associates LtdWarringtonAuthorisedAt Retirement Options Wealth Management LtdWarringtonAuthorisedBallma LtdWarringtonAuthorisedBlithe House Financial Management LtdWarringtonAuthorisedChartwell Financial Services LimitedWarringtonAuthorisedCorbel Partners LimitedWarringtonAuthorised

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 & S Financial Management

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 41 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is B & S Financial Management Limited FCA authorised?
Yes, B & S Financial Management Limited (FRN 126243) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is B & S Financial Management’s phone number and website?
The FCA register lists the phone number 01925 909620 and the website bandsfinancialmanagement.co.uk for B & S Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is B & S Financial Management a scam or clone?
B & S Financial Management 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 & S Financial Management?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about B & S Financial Management to the Financial Ombudsman Service, free of charge.
Who owns B & S Financial Management?
Companies House lists no one with significant control of B & S Financial Management now. Before that, it was controlled by Mr Phillip John Roberts and Christopher Porritt.
Who runs B & S Financial Management?
Companies House lists 4 directors of B & S Financial Management: Michael Parkin, Christopher Porritt, Paul Richard Wilson and Philip John Roberts.
How long has B & S Financial Management been in business?
The company was formed on 7 August 1986, and has held its current FCA authorisation since December 2001.
What do B & S Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £160k (+62% from £98.6k) and cash at bank of £257k (+44% from £179k).
Does B & S Financial Management use any other names?
It has previously used the name Sterling Financial Planning Limited.

Sources and links

The full report on B & S Financial Management Limited

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