Cobens Group Limited

Reference number: 484450

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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 cobensgroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7118 8777 is
  • Who else gives the postcode ME15 6LG
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Other names (21)

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

  • Astute Financial Management UK Trading name
  • Civvals Financial Services Trading name
  • Cobens Trading name
  • Cobens Capital Distribution Trading name
  • Cobens Connect Trading name
  • Cobens Direct Trading name
  • Cobens Estate Planning Trading name
  • Cobens Investment Management Trading name
  • Cobens Wealth Trading name
  • Cobens Wealth Management Trading name
  • Eurikah Trading name
  • OnePension Trading name
  • Retirement Income Solutions Trading name
  • Astute Financial Management UK Ltd Former name
  • Cobens Wealth Direct Former trading name
  • Feel Good About Money Former trading name
  • IMPC Former trading name
  • IMPC (by Cobens) Former trading name
  • IMPCS Former trading name
  • PTL Former trading name
  • Temple Bar Asset Management Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (17 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Managing investments

Limits on what they may do

  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.

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
05850981
Company status
Active
Company type
Private limited company
Incorporated
19 June 2006 (20 years old)
Registered office
Romney House, Romney Place, Maidstone, Kent, ME15 6LG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher John Poole Director Jan 1960 28 Jun 2011 8 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
8
closed down
3
still active
5

In the full report: all 8 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£767k

+6.5% from £721k

Cash at bank

£105k

+4.6% from £101k

Employees (average)

36

+13% from 32

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2018 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 05850981. 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

Cobens Group’s history from the FCA register and Companies House, newest first.

Key events (7) All events (41)

2025

24 April 2025

  • Changed its registered name from "Astute Financial Management UK Ltd"

FCA register

2022

22 June 2022

  • FCA imposed a requirement (May control but not hold client money)

FCA register

2016

6 April 2016

  • Christopher John Poole took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2008

1 October 2008

  • Became authorised by the FCA

FCA register

14 August 2008

  • Regulated by the Financial Services Authority from this date

FCA register

2006

19 June 2006

  • Incorporated at Companies House

Companies House

In the full report: all 41 events

  • All 41 events in its history (7 shown here)
  • Every director appointment and resignation: 5
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Firms like Cobens Group

Other firms of the same type (investment or fund manager), nearest first.

In the Medway (ME) postcode area

Harbour Rock Capital LimitedRochesterAuthorisedPrism Investments LimitedRochesterAppointed representative

Elsewhere in the UK

UBS Asset Management (Europe) S.A.AuthorisedUBS Asset Management (UK) LtdLondonAuthorisedUBS Asset Management Funds LtdLondonAuthorisedMarks and Spencer Unit Trust Management LimitedChesterAuthorised

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 Cobens Group

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 41 events in its history

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Frequently asked questions about this firm

Is Cobens Group Limited FCA authorised?
Yes, Cobens Group Limited (FRN 484450) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2008 and works as an investment or fund manager. The FCA has placed a limit on what it may do.
What is Cobens Group’s phone number and website?
The FCA register lists the phone number 020 7118 8777 and the website cobensgroup.co.uk for Cobens Group. If you were given different contact details, use these to check with the firm before going any further.
Is Cobens Group a scam or clone?
Cobens Group 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 Cobens Group?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Cobens Group to the Financial Ombudsman Service, free of charge.
Who owns Cobens Group?
Companies House lists one person with significant control of Cobens Group: Mr Christopher John Poole (75–100% of shares).
Who runs Cobens Group?
Companies House lists one director of Cobens Group: Christopher John Poole.
How long has Cobens Group been in business?
The company was formed on 19 June 2006, and has held its current FCA authorisation since October 2008.
What do Cobens Group’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £767k (+6.5% from £721k) and cash at bank of £105k (+4.6% from £101k).
Does Cobens Group use any other names?
It trades as Astute Financial Management UK, Civvals Financial Services, Cobens, Cobens Capital Distribution and Cobens Connect, and 8 more names. It has previously used 8 other names, including Astute Financial Management UK Ltd, Cobens Wealth Direct and Feel Good About Money.

Sources and links

The full report on Cobens Group Limited

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