CES Investments Ltd

Reference number: 526488

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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

Lancea LLP Reference number: 599288 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.
  • CES Investments Ltd (FRN 526488) is an AR of Lancea LLP (FRN 599288). When you use CES Investments's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CES Investments, 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

    07533 178381

  • Address

    80 Ragged Hall Lane, St. Albans, Hertfordshire, AL2 3LD, United Kingdom

In the full report: 2 background checks

  • What kind of line 07533 178381 is
  • Who else gives the postcode AL2 3LD
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Lancea LLP, 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
CES INVESTMENTS LIMITED
Company number
07045174
Company status
Active
Company type
Private limited company
Incorporated
15 October 2009 (17 years old)
Registered office
11 Greenleaf House 128 Darkes Lane, Potters Bar, Herts, EN6 1AE, United Kingdom
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Susanne Koehler-Westwood Director Jul 1962 15 Oct 2009 None
Stephen John Westwood Director Mar 1964 15 Oct 2009 4 other companies

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
4
closed down
2
still active
2

In the full report: all 4 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
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£537k

+1.1% from £531k

Cash at bank

£493k

+20% from £411k

Employees (average)

2

Same as 2

Assets and liabilities

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 07045174. 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

CES Investments’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

  • Stephen John Westwood became a part-owner (25–50% of shares)
  • Susanne Koehler-Westwood became a part-owner (25–50% of shares)

Companies House

2010

24 June 2010

  • Became an appointed representative

FCA register

2009

15 October 2009

  • Incorporated at Companies House
  • Stephen John Westwood appointed as a director
  • Susanne Koehler-westwood appointed as a director

Companies House

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

Firms like CES Investments

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

In St. Albans

ADW Financial Solutions LimitedSt. AlbansAppointed representativeAltair Financial Planning LtdSt. AlbansAppointed representativeAnna DandekerSt. AlbansAppointed representativeAshridge Wealth Management LimitedSt. AlbansAppointed representativeBina DayaramSt. AlbansAppointed representativeChris VincentSt. AlbansAppointed 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 CES Investments

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

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

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Frequently asked questions about this firm

Is CES Investments Ltd FCA authorised?
CES Investments Ltd (FRN 526488) 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 CES Investments?
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. CES Investments Ltd (FRN 526488) is an AR of Lancea LLP (FRN 599288). When you use CES Investments's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CES Investments, 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 CES Investments’ phone number?
The FCA register lists the phone number 07533 178381 for CES Investments. If you were given different contact details, use these to check with the firm before going any further.
Is CES Investments a scam or clone?
CES Investments 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 CES Investments?
Protection works through Lancea LLP, the principal firm responsible for CES Investments's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CES Investments?
Companies House lists 2 people with significant control of CES Investments: Mrs Susanne Koehler-Westwood (25–50% of shares) and Mr Stephen John Westwood (25–50% of shares).
Who runs CES Investments?
Companies House lists 2 directors of CES Investments: Susanne Koehler-Westwood and Stephen John Westwood.
How long has CES Investments been in business?
The company was formed on 15 October 2009.
What do CES Investments’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £537k (+1.1% from £531k) and cash at bank of £493k (+20% from £411k).

Sources and links

The full report on CES Investments Ltd

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