B2 Wealth Ltd

Reference number: 591054

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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.
  • B2 Wealth Ltd (FRN 591054) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use B2 Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from B2 Wealth, 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 b2-wealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 01775 720394 is
  • Who else gives the postcode PE11 3YR
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Other names (2)

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

  • Bowater Wealth Management Ltd Former name
  • Graham Bowater Former name

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
08296287
Company status
Active
Company type
Private limited company
Incorporated
16 November 2012 (13 years old)
Registered office
Allium House 12 Enterprise Way, Pinchbeck, Spalding, PE11 3YR, England
Nature of business
  • Fund management activities (SIC 66300)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham John Bowater Director Feb 1984 16 Nov 2012 3 other companies
Natasha Jayne Bowater Director Jul 1982 16 Nov 2012 1 other company

Other companies run by these 2 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
3
closed down
2
run together
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£133k

−11% from £150k

Cash at bank

£1,886

−83% from £11.1k

Employees (average)

2

−33% from 3

Owed within a year

£83.6k

+34% from £62.4k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 08296287. 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

B2 Wealth’s history from the FCA register and Companies House, newest first.

2022

1 April 2022

  • Changed its registered name from "Bowater Wealth Management Ltd"

FCA register

2016

1 December 2016

  • Natasha Jayne Bowater became a part-owner (25–50% of shares)

Companies House

1 July 2016

  • Graham John Bowater became a part-owner (25–50% of shares)

Companies House

2012

30 November 2012

  • Changed its registered name from "Graham Bowater"

FCA register

16 November 2012

  • Incorporated at Companies House
  • Graham John Bowater appointed as a director
  • Natasha Jayne Bowater appointed as a director

Companies House

9 November 2012

  • Became an appointed representative

FCA register

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

Firms connected to B2 Wealth

Other FCA-listed firms that share a director, phone number or address with B2 Wealth. 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 B2 Wealth

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

In Spalding

Goal Financial Planning LimitedSpaldingAppointed representativeJordan And Co Financial Services LtdSpaldingAppointed representativeLorraine CoatonSpaldingAppointed representativeNJ Holmes Wealth ManagementSpaldingAppointed representativeRussell SteelsSpaldingAppointed representativeConsilium Wealth LimitedSpaldingAuthorised

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 B2 Wealth

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 8 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is B2 Wealth Ltd FCA authorised?
B2 Wealth Ltd (FRN 591054) 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 B2 Wealth?
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. B2 Wealth Ltd (FRN 591054) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use B2 Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from B2 Wealth, 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 B2 Wealth’s phone number and website?
The FCA register lists the phone number 01775 720394 and the website b2-wealth.co.uk for B2 Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is B2 Wealth a scam or clone?
B2 Wealth 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 B2 Wealth?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for B2 Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns B2 Wealth?
Companies House lists 2 people with significant control of B2 Wealth: Mrs Natasha Jayne Bowater (25–50% of shares) and Mr Graham John Bowater (25–50% of shares).
Who runs B2 Wealth?
Companies House lists 2 directors of B2 Wealth: Graham John Bowater and Natasha Jayne Bowater.
How long has B2 Wealth been in business?
The company was formed on 16 November 2012.
What do B2 Wealth’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £133k (−11% from £150k) and cash at bank of £1,886 (−83% from £11.1k).
Does B2 Wealth use any other names?
It has previously used 2 other names: Bowater Wealth Management Ltd and Graham Bowater.

Sources and links

The full report on B2 Wealth Ltd

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