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 15 years
- Protected through the principal
- No FCA actions
- Active company since 2008
- Accounts filed up to 31 March 2026
Responsible principal firm
Openwork Limited Reference number: 408285 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.
- CMD Financial Solutions Ltd (FRN 538333) is an AR of Openwork Limited (FRN 408285). When you use CMD Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from CMD Financial Solutions, 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
39 Lowther St, Carlisle, Cumbria, CA3 8EP, United Kingdom
In the full report: 2 background checks
- What kind of line 01228 882880 is
- Who else gives the postcode CA3 8EP
Other names (1)
If you were contacted under any of these names, it is this firm.
- Versant Wealth Management Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork 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
- 06650508 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 July 2008 (18 years old)
- Registered office
- 39 Lowther Street, Carlisle, Cumbria, CA3 8EP
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| John Peart | Director | Mar 1958 | 30 Jun 2011 | 7 other companies |
| Stephen Michael Dixon | Director | Mar 1965 | 2 Dec 2011 | 7 other companies |
| Pamela Dixon | Director | Jan 1967 | 27 Aug 2013 | 2 other companies |
| Linda Peart | Director | Sep 1963 | 27 Aug 2013 | 2 other companies |
| Mark William Hunter | Director | Apr 1964 | 6 Apr 2016 | None |
Other companies run by these 5 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
- 7
- closed down
- 5
- run together
- 7
In the full report: all 7 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 7 companies these 5 directors run together
- All 9 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£64.4k
−42% from £112k
Employees (average)
7
Same as 7
Owed within a year
£74.8k
−40% from £126k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2026
- 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 06650508. 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
CMD Financial Solutions’s history from the FCA register and Companies House, newest first.
2016
29 November 2016
- John Peart stopped being a part-owner
- Linda Peart stopped being a part-owner
- Pamela Dixon stopped being a part-owner
- Stephen Michael Dixon stopped being a part-owner
Companies House
30 June 2016
- John Peart became a part-owner (25–50% of shares)
- Linda Peart became a part-owner (25–50% of shares)
- Pamela Dixon became a part-owner (25–50% of shares)
- Stephen Michael Dixon became a part-owner (25–50% of shares)
Companies House
2013
2 October 2013
- Changed its registered name from "CMD FInancial Solutions Ltd"
FCA register
2011
31 August 2011
- Changed its registered name from "Versant Wealth Management Ltd"
FCA register
30 June 2011
- Board replaced: both directors left and a new director took over
Companies House
2010
24 December 2010
- Became an appointed representative
FCA register
2008
18 July 2008
- Incorporated at Companies House
Companies House
In the full report: all 30 events
- All 30 events in its history (13 shown here)
- Every director appointment and resignation: 17
Firms like CMD Financial Solutions
Other firms of the same type (financial adviser), nearest first.
In Carlisle
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 CMD Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 30 events in its history
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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