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 17 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 28 February 2025
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Clarity FM Limited (FRN 499757) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Clarity FM's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Clarity FM, 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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No website on the FCA register
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Phone number
-
Address
Crescent Mews, 51 High Street, Billericay, Essex, CM12 9AX, United Kingdom
In the full report: 2 background checks
- What kind of line 01277 633300 is
- Who else gives the postcode CM12 9AX
Other names (2)
If you were contacted under any of these names, it is this firm.
- Clarity Financial Management Trading name: A name it trades under now.
- Clarity FM Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch 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, 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 number
- 13197683 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 February 2021 (5 years old)
- Registered office
- 19th Floor 1 Westfield Avenue, London, E20 1HZ, United Kingdom
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| David Cade | Director | Nov 1969 | 11 Feb 2021 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Total equity
£477
−93% from £7,291
Cash at bank
£2,753
−85% from £18.8k
Owed within a year
£13.7k
−20% from £17.1k
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2022 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.
Accounts filed at Companies House for company 13197683. 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
Clarity FM’s history from the FCA register and Companies House, newest first.
2025
9 October 2025
- Changed its registered name from "Clarity FM Ltd"
FCA register
2021
25 October 2021
- Changed its registered name from "Clarity Financial Management"
- Began trading as "Clarity Financial Management"
FCA register
11 February 2021
- Incorporated at Companies House
- David Cade became the majority owner (50–75% of shares)
- David Cade stopped being the majority owner
- David Cade took control (75–100% of shares)
- Zoe Cade became a part-owner (25–50% of shares)
- Zoe Cade stopped being a part-owner
- David Cade appointed as a director
Companies House
2009
22 April 2009
- Became an appointed representative
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Clarity FM
Other FCA-listed firms that share a director, phone number or address with Clarity FM. 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 Clarity FM
Other firms of the same type (mortgage adviser or broker), nearest first.
In Billericay
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 Clarity FM
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 4 years of accounts, charted
- All 11 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Clarity FM Limited FCA authorised?
What does appointed representative mean for Clarity FM?
What is Clarity FM’s phone number?
Is Clarity FM a scam or clone?
Is my money safe with Clarity FM?
Who owns Clarity FM?
Who runs Clarity FM?
How long has Clarity FM been in business?
What do Clarity FM’s latest accounts show?
Does Clarity FM use any other names?
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