Chambers Financial LTD

Reference number: 1016681

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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

ValidPath Limited Reference number: 197107 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.
  • Chambers Financial LTD (FRN 1016681) is an AR of ValidPath Limited (FRN 197107). When you use Chambers Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Chambers 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

  • When chambers-financial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07341 616657 is
  • Who else gives the postcode TN31 7BH
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Other names (1)

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

  • Chambers Financial Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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
15522460
Company status
Active
Company type
Private limited company
Incorporated
26 February 2024 (2 years old)
Registered office
12 Lea Avenue, Rye, East Sussex, TN31 7BH, England
Nature of business
  • Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Chambers Director Sep 1990 26 Feb 2024 1 other company
Alice Larkin Director May 1988 21 Apr 2026 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
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£3,791

+25% from £3,027

Cash at bank

£10.2k

+63% from £6,258

Employees (average)

1

Same as 1

Owed within a year

£10.5k

+124% from £4,667

Net assets

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 15522460. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2026

21 April 2026

  • Alice Larkin appointed as a director

Companies House

2025

7 January 2025

  • Changed its registered name from "Chambers Financial Limited"

FCA register

2024

20 August 2024

  • Became an appointed representative

FCA register

26 February 2024

  • Incorporated at Companies House
  • Michael Chambers took control (75–100% of shares)
  • Michael Chambers appointed as a director

Companies House

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

Firms connected to Chambers Financial

Other FCA-listed firms that share a director, phone number or address with Chambers Financial. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Chambers Financial

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

In Rye

John SharpRyeAppointed representativeOlympus Financial Planning LtdRyeAppointed representative

In the Tonbridge (TN) postcode area

Aaron BlackmanBuxtedAppointed representativeAdam WillingaleTunbridge WellsAppointed representativeAidan FisherWinchelseaAppointed representativeAims Financial LtdAshfordAppointed 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 Chambers Financial

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
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Chambers Financial LTD FCA authorised?
Chambers Financial LTD (FRN 1016681) 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 Chambers 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. Chambers Financial LTD (FRN 1016681) is an AR of ValidPath Limited (FRN 197107). When you use Chambers Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Chambers 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 Chambers Financial’s phone number and website?
The FCA register lists the phone number 07341 616657 and the website chambers-financial.co.uk for Chambers Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Chambers Financial a scam or clone?
Chambers 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 Chambers Financial?
Protection works through ValidPath Limited, the principal firm responsible for Chambers Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Chambers Financial?
Companies House lists one person with significant control of Chambers Financial: Mr Michael Chambers (75–100% of shares).
Who runs Chambers Financial?
Companies House lists 2 directors of Chambers Financial: Michael Chambers and Alice Larkin.
How long has Chambers Financial been in business?
The company was formed on 26 February 2024.
What do Chambers Financial’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £3,791 (+25% from £3,027) and cash at bank of £10.2k (+63% from £6,258).
Does Chambers Financial use any other names?
It has previously used the name Chambers Financial Limited.

Sources and links

The full report on Chambers Financial LTD

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