Bray Financial Ltd

Reference number: 200315

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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

Sesame Limited Reference number: 150427 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.
  • Bray Financial Ltd (FRN 200315) is an AR of Sesame Limited (FRN 150427). When you use Bray Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Bray 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.

  • No website on the FCA register

  • Phone number

    020 8249 5733

  • Address

    57 Beverley Road, Bromley, BR2 8QE, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8249 5733 is
  • Who else gives the postcode BR2 8QE
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Other names (4)

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

  • Financial Alliance Trading name
  • Bray Financial Former name
  • Financial Alliance - Bray Financial Ltd Former name
  • Investment Design Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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, 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 name
BRAY FINANCIAL LIMITED
Company number
04463498
Company status
Active
Company type
Private limited company
Incorporated
18 June 2002 (24 years old)
Registered office
57 Beverley Road, Bromley, BR2 8QE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart James Bray Director Apr 1963 18 Jun 2002 2 other companies

Other companies run by its director

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
2
closed down
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Total equity

−£4,186

−149% from £8,527

Employees (average)

1

Same as 1

Owed within a year

£96.9k

−11% from £108k

Total equity is negative: on its last balance sheet the company owed £4,186 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 04463498. 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

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

Key events (6) All events (12)

2016

2 September 2016

  • Stuart James Bray took control (75–100% of shares)

Companies House

2015

4 February 2015

  • Changed its registered name from "Financial Alliance - Bray Financial Ltd"

FCA register

2003

18 February 2003

  • Changed its registered name from "Bray Financial Ltd"

FCA register

2002

16 July 2002

  • Changed its registered name from "Bray Financial"

FCA register

18 June 2002

  • Incorporated at Companies House

Companies House

2000

4 October 2000

  • Became an appointed representative

FCA register

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 1
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Firms like Bray Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In Bromley

Andrew SmithBromleyAppointed representativeHTFS LimitedBromleyAppointed representativeKieran NoonanBromleyAppointed representativeMortgage Info LimitedBromleyAppointed representativeSRK Mortgage Solutions LimitedBromleyAppointed representativeEasychoice Finance LimitedBromleyAuthorised

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 Bray Financial

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Bray Financial Ltd FCA authorised?
Bray Financial Ltd (FRN 200315) 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 Bray Financial?
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. Bray Financial Ltd (FRN 200315) is an AR of Sesame Limited (FRN 150427). When you use Bray Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bray 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.
What is Bray Financial’s phone number?
The FCA register lists the phone number 020 8249 5733 for Bray Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Bray Financial a scam or clone?
Bray Financial 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 Bray Financial?
Protection works through Sesame Limited, the principal firm responsible for Bray Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bray Financial?
Companies House lists one person with significant control of Bray Financial: Mr Stuart James Bray (75–100% of shares).
Who runs Bray Financial?
Companies House lists one director of Bray Financial: Stuart James Bray.
How long has Bray Financial been in business?
The company was formed on 18 June 2002.
What do Bray Financial’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of −£4,186 (−149% from £8,527).
Does Bray Financial use any other names?
It trades as Financial Alliance. It has previously used 3 other names: Bray Financial, Financial Alliance - Bray Financial Ltd and Investment Design.

Sources and links

The full report on Bray Financial Ltd

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