Cervello Financial Planning Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 11 years
Your funds are protected by FSCS
No FCA actions
Active company since 2011
Accounts filed up to 31 March 2026

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.

Website

cervellofp.co.uk (opens in a new tab)
Phone number

01708 606202
Address

Cervello Financial Planning, Cumberland House, 24-28 Baxter Avenue, Southend-On-Sea, Southend-On-Sea, SS2 6HZ, United Kingdom

In the full report: 3 background checks

When cervellofp.co.uk first appeared online, and whether it can receive email
What kind of line 01708 606202 is
Who else gives the postcode SS2 6HZ

Other names (2)

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

Cassandra Daems Trading name: A name it trades under now.
Your Solo Pension Former trading name: A name it used to trade under.

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.
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 (5 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
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: 07571920 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 March 2011 (15 years old)
Registered office: Cumberland House, 24-28 Baxter Avenue, Southend-On-Sea, Essex, SS2 6HZ, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Christopher Daems	Director	Aug 1977	21 Mar 2011	1 other company
Cassandra Daems	Director	Dec 1975	13 Jan 2015	None

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 company: 1
closed down: 1

In the full report: all 1 company, 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

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1,048

Up £379 from £669

Cash at bank

£48.0k

+60% from £30.0k

Employees (average)

6

+20% from 5

Owed within a year

£50.6k

+25% from £40.6k

Assets and liabilities

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

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 07571920. 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

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

Key events (5) All events (12)

2016

6 April 2016

Cassandra Daems became a part-owner (25–50% of shares)
Christopher Daems became a part-owner (25–50% of shares)

Companies House

2015

16 February 2015

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2011

21 March 2011

Incorporated at Companies House

Companies House

In the full report: all 12 events

All 12 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms like Cervello Financial Planning

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

In Southend-On-Sea

Andrew JamesSouthend-on-SeaAuthorised Financial Solutions Sc LimitedSouthend-On-SeaAuthorised Mark Dean Wealth Management (UK) LimitedSouthend-on-SeaAuthorised Sand Financial Planning LimitedSouthend-on-SeaAuthorised Strategic IFA LtdSouthend-On-SeaAuthorised Willow Financial Planning LimitedSouthend-on-seaAuthorised

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 Cervello Financial Planning

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

1 other company its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 12 events in its history

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Frequently asked questions about this firm

Is Cervello Financial Planning Limited FCA authorised?

Yes, Cervello Financial Planning Limited (FRN 629538) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2015 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Cervello Financial Planning’s phone number and website?

The FCA register lists the phone number 01708 606202 and the website cervellofp.co.uk for Cervello Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Cervello Financial Planning a scam or clone?

Cervello 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 Cervello Financial Planning?

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 Cervello Financial Planning to the Financial Ombudsman Service, free of charge.

Who owns Cervello Financial Planning?

Companies House lists 2 people with significant control of Cervello Financial Planning: Mr Christopher Daems (25–50% of shares) and Mrs Cassandra Daems (25–50% of shares).

Who runs Cervello Financial Planning?

Companies House lists 2 directors of Cervello Financial Planning: Christopher Daems and Cassandra Daems.

How long has Cervello Financial Planning been in business?

The company was formed on 21 March 2011, and has held its current FCA authorisation since February 2015.

What do Cervello Financial Planning’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £1,048 (up £379 from £669) and cash at bank of £48.0k (+60% from £30.0k).

Does Cervello Financial Planning use any other names?

It trades as Cassandra Daems. It has previously used the name Your Solo Pension.