Citrus Financial Management Ltd

Reference number: 413291

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Citrus Financial Management Ltd (FRN 413291) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Citrus Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Citrus Financial Management, 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 citrusfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01732 834834 is
  • Who else gives the postcode TN13 2RY
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Other names (4)

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

  • Citrus Financial Trading name
  • KPS Mortgages Trading name
  • David Braithwaite Former trading name
  • Kevin Stapley Mortgage Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 name
CITRUS FINANCIAL MANAGEMENT LIMITED
Company number
04618393
Company status
Active
Company type
Private limited company
Incorporated
16 December 2002 (23 years old)
Registered office
2nd Floor Watermill House Chevening Road, Chipstead, Sevenoaks, Kent, TN13 2RY, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
David Braithwaite Director Dec 1968 17 Dec 2002 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
2
still active
4

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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£447k

+29% from £347k

Cash at bank

£509k

−1.7% from £518k

Employees (average)

15

−6.3% from 16

Owed within a year

£276k

+5.6% from £262k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 04618393. 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

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

Key events (5) All events (12)

2026

1 January 2026

  • Claire Sheldon stopped being a part-owner

Companies House

2016

7 April 2016

  • Claire Sheldon became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • David Braithwaite took control (75–100% of shares)

Companies House

2004

3 November 2004

  • Became an appointed representative

FCA register

2002

16 December 2002

  • 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: 1
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Firms like Citrus Financial Management

Other firms of the same type (insurance broker), nearest first.

In the Tonbridge (TN) postcode area

Robert ColemanRyeAppointed representativeStanhope Medical LimitedTunbridge WellsAppointed representativeAbimar Brokers LimitedTunbridge WellsAppointed representativeAdvice2u LtdTunbridge WellsAppointed representativeAesir Space LimitedUckfieldAppointed representativeAlliance Of Registered Homeopaths LimitedAppointed 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 Citrus Financial Management

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
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Citrus Financial Management Ltd FCA authorised?
Citrus Financial Management Ltd (FRN 413291) 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 Citrus Financial Management?
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. Citrus Financial Management Ltd (FRN 413291) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Citrus Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Citrus Financial Management, 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 Citrus Financial Management’s phone number and website?
The FCA register lists the phone number 01732 834834 and the website citrusfinancial.co.uk for Citrus Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Citrus Financial Management a scam or clone?
Citrus Financial Management 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 Citrus Financial Management?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Citrus Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Citrus Financial Management?
Companies House lists one person with significant control of Citrus Financial Management: Mr David Braithwaite (75–100% of shares). Before that, it was controlled by Ms Claire Sheldon.
Who runs Citrus Financial Management?
Companies House lists one director of Citrus Financial Management: David Braithwaite.
How long has Citrus Financial Management been in business?
The company was formed on 16 December 2002.
What do Citrus Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £447k (+29% from £347k) and cash at bank of £509k (−1.7% from £518k).
Does Citrus Financial Management use any other names?
It trades as Citrus Financial and KPS Mortgages. It has previously used 2 other names: David Braithwaite and Kevin Stapley Mortgage Services.

Sources and links

The full report on Citrus Financial Management Ltd

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