CJA Financial Planning Ltd

Reference number: 717863

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Authorised by the FCA

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

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 cjafinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07557 799851 is
  • Who else gives the postcode LU2 0HL
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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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (6 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
  • Debt-counselling
  • 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
09705850
Company status
Active
Company type
Private limited company
Incorporated
28 July 2015 (11 years old)
Registered office
20-22 Wenlock Road, London, N1 7GU, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Satvinder Sangha Director Feb 1979 28 Jul 2015 2 other companies
Satvinder Sangha Secretary Not published 28 Jul 2015 –

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
2
closed down
1
still active
1

In the full report: all 2 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
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£14.1k

+5.1% from £13.4k

Cash at bank

£55.0k

+69% from £32.5k

Employees (average)

4

Same as 4

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 09705850. 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

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

Key events (5) All events (8)

2016

27 July 2016

  • Candy Sangha became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Satvinder Sangha became a part-owner (25–50% of shares)

Companies House

1 February 2016

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

FCA register

2015

28 July 2015

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like CJA Financial Planning

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

In Luton

Chiltern Financial Services LtdLutonAuthorised147 Financial Services LtdLutonAppointed representativeBlackstone Wealth LtdLutonAppointed representativeCapital Manor Financial Advisors LimitedLutonAppointed representativeIan James Financial Planning LtdLutonAppointed representativeStreets S J Males LimitedLutonAppointed 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 CJA Financial Planning

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is CJA Financial Planning Ltd FCA authorised?
Yes, CJA Financial Planning Ltd (FRN 717863) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is CJA Financial Planning’s phone number and website?
The FCA register lists the phone number 07557 799851 and the website cjafinancial.co.uk for CJA Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is CJA Financial Planning a scam or clone?
CJA 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 CJA 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 CJA Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns CJA Financial Planning?
Companies House lists 2 people with significant control of CJA Financial Planning: Mr Satvinder Sangha (25–50% of shares) and Mrs Candy Sangha (25–50% of shares).
Who runs CJA Financial Planning?
Companies House lists one director of CJA Financial Planning: Satvinder Sangha.
How long has CJA Financial Planning been in business?
The company was formed on 28 July 2015, and has held its current FCA authorisation since February 2016.
What do CJA Financial Planning’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £14.1k (+5.1% from £13.4k) and cash at bank of £55.0k (+69% from £32.5k).

Sources and links

The full report on CJA Financial Planning Ltd

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