Calder Financial Ltd

Reference number: 586897

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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

Sense Network Limited Reference number: 465124 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.
  • Calder Financial Ltd (FRN 586897) is an AR of Sense Network Limited (FRN 465124). When you use Calder Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Calder 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When calderfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 050 3055 is
  • Who else gives the postcode DE65 5FN
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Other names (1)

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

  • Calder Finance (Midlands) Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense Network 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 number
07441594
Company status
Active
Company type
Private limited company
Incorporated
16 November 2010 (15 years old)
Registered office
Bolton Lodge Cheadle Road, Oakamoor, Stoke-On-Trent, ST10 3AN, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Edward Buck Director May 1971 16 Nov 2010 6 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
6
closed down
4
still active
2

In the full report: all 6 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 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£5,339

+8.2% from £4,934

Cash at bank

£177

Down £344 from £521

Employees (average)

1

Same as 1

Owed within a year

£95

Down £95 from £190

Net assets

In the full report: all 7 years of accounts

  • Every year from 2019 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 07441594. 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

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

Key events (11) All events (18)

2024

31 May 2024

  • Susan Buck became a part-owner (25–50% of shares)
  • The Calder Group (Midlands) Ltd gave up control
  • Thomas Edward Buck became a part-owner (25–50% of shares)

Companies House

24 May 2024

  • Susan Buck stopped being a part-owner
  • The Calder Group (Midlands) Ltd took control (75–100% of shares)
  • Thomas Buck stopped being a part-owner

Companies House

2022

17 January 2022

  • Changed its registered name from "Calder Finance (Midlands) Limited"

FCA register

2017

4 December 2017

  • Susan Buck became a part-owner (25–50% of shares)
  • Thomas Buck became a part-owner (25–50% of shares)

Companies House

2012

24 August 2012

  • Became an appointed representative

FCA register

2010

16 November 2010

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (11 shown here)
  • Every director appointment and resignation: 7
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Firms like Calder Financial

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

In Derby

Blossom Financial Planning LtdDerbyAppointed representativeAMG Wealth Management LtdDerbyAppointed representativeAndrew DasilvaDerbyAppointed representativeAristotle Financial Planning LtdDerbyAppointed representativeAssist Protect LtdDerbyAppointed representativeAtlas Accountancy Services LimitedDerbyAppointed 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 Calder Financial

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
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 18 events in its history

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Frequently asked questions about this firm

Is Calder Financial Ltd FCA authorised?
Calder Financial Ltd (FRN 586897) 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 Calder 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. Calder Financial Ltd (FRN 586897) is an AR of Sense Network Limited (FRN 465124). When you use Calder Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Calder 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 Calder Financial’s phone number and website?
The FCA register lists the phone number 0333 050 3055 and the website calderfinance.co.uk for Calder Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Calder Financial a scam or clone?
Calder 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 Calder Financial?
Protection works through Sense Network Limited, the principal firm responsible for Calder Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Calder Financial?
Companies House lists 2 people with significant control of Calder Financial: Mr Thomas Edward Buck (25–50% of shares) and Mrs Susan Buck (25–50% of shares). Before that, it was controlled by The Calder Group (Midlands) Ltd and Mr Thomas Buck.
Who runs Calder Financial?
Companies House lists one director of Calder Financial: Thomas Edward Buck.
How long has Calder Financial been in business?
The company was formed on 16 November 2010.
What do Calder Financial’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £5,339 (+8.2% from £4,934) and cash at bank of £177 (down £344 from £521).
Does Calder Financial use any other names?
It has previously used the name Calder Finance (Midlands) Limited.

Sources and links

The full report on Calder Financial Ltd

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