Chameleon Financial Planning Ltd
Reference number: 785369
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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.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 December 2025
Responsible principal firm
Sense Network Limited Reference number: 465124 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.
- Chameleon Financial Planning Ltd (FRN 785369) is an AR of Sense Network Limited (FRN 465124). When you use Chameleon Financial Planning's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Chameleon Financial Planning, 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.
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Phone number
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Address
Unit 5A, Marsh Mill Village, Fleetwood Road North, Thornton-Cleveleys, Lancashire, FY5 4JZ, United Kingdom
In the full report: 3 background checks
- When chameleonfp.co.uk first appeared online, and whether it can receive email
- What kind of line 01253 532390 is
- Who else gives the postcode FY5 4JZ
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- CHAMELEON FINANCIAL PLANNING LIMITED
- Company number
- 10764814 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 May 2017 (9 years old)
- Registered office
- 5a Marsh Mill Village, Fleetwood Road North, Thornton-Cleveleys, Lancashire, FY5 4JZ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael Stephen James Lovell | Director | Mar 1982 | 8 Mar 2018 | 2 other companies |
| Christopher Howard | Director | Aug 1988 | 6 Aug 2025 | None |
| Tracey Lovell | Director | Apr 1979 | 21 Aug 2025 | 3 other companies |
Other companies run by these 3 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
- 3
- closed down
- 2
- run together
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 companies these 3 directors run together
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£13.0k
Up £12.7k from £278
Cash at bank
£1,715
−96% from £38.5k
Employees (average)
5
+67% from 3
Owed within a year
£277k
+77% from £157k
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
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 10764814. 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
Chameleon Financial Planning’s history from the FCA register and Companies House, newest first.
2024
28 June 2024
- Avacobs Services Limited took control (75–100% of shares)
- Digwa Group Limited stopped being a part-owner
Companies House
2019
17 July 2019
- Mark James Hall stopped being a part-owner
Companies House
5 July 2019
- Jerath Williams Group Limited stopped being a part-owner
Companies House
2017
19 October 2017
- Jerath Williams Group Limited became a part-owner (25–50% of shares)
Companies House
4 September 2017
- Digwa Group Limited became a part-owner (25–50% of shares)
Companies House
28 July 2017
- Became an appointed representative
FCA register
11 May 2017
- Incorporated at Companies House
- Mark James Hall became a part-owner (25–50% of shares)
Companies House
In the full report: all 20 events
- All 20 events in its history (9 shown here)
- Every director appointment and resignation: 11
Firms connected to Chameleon Financial Planning
Other FCA-listed firms that share a director, phone number or address with Chameleon Financial Planning. 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
Firms like Chameleon Financial Planning
Other firms of the same type (financial adviser), nearest first.
In Thornton-Cleveleys
In the Blackpool (FY) postcode area
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 Chameleon Financial Planning
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 20 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk