Cogent Financial Solutions Limited

Reference number: 931121

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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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Cogent Financial Solutions Limited (FRN 931121) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Cogent Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cogent 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.

  • No website on the FCA register

  • Phone number

    07507 874783

  • Address

    5 Derby Road, Melbourne, Derby, Derbyshire, DE73 8FE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07507 874783 is
  • Who else gives the postcode DE73 8FE
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Other names (1)

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

  • Cogent Financial Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through 2 Plan Wealth Management 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
COGENT FINANCIAL SOLUTIONS LTD
Company number
12693406
Company status
Active
Company type
Private limited company
Incorporated
23 June 2020 (6 years old)
Registered office
5 Derby Road, Melbourne, Derby, DE73 8FE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Alexander Paul Cave Director Sep 1975 23 Jun 2020 2 other companies
Robert George Andrew Mckenzie Director Nov 1968 23 Jun 2020 None

Other companies run by these 2 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
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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

9 months to 31 March 2026Micro-entity accountsNot audited

Net assets

£30.8k

+438% from £5,732

Employees (average)

4

Same as 4

Owed within a year

£38.4k

+69% from £22.7k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2026
  • 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 12693406. 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

Cogent Financial Solutions’s history from the FCA register and Companies House, newest first.

2024

2 February 2024

  • Changed its registered name from "Cogent Financial Solutions Ltd"

FCA register

26 January 2024

  • Changed its registered name from "Cogent Financial Solutions Limited"

FCA register

2020

31 July 2020

  • Became an appointed representative

FCA register

23 June 2020

  • Incorporated at Companies House
  • Alexander Paul Cave became a part-owner (25–50% of shares)
  • Robert George Andrew McKenzie became a part-owner (25–50% of shares)
  • Alexander Paul Cave appointed as a director
  • Robert George Andrew McKenzie appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Cogent Financial Solutions

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

In Derby

Blossom Financial Planning LtdDerbyAppointed representativeAMG Wealth Management LtdDerbyAppointed representativeAndrew DasilvaDerbyAppointed representativeAristotle Financial Planning LtdDerbyAppointed representativeAssist Protect LtdDerbyAppointed representativeAtlas Accountancy Services LimitedDerbyAppointed 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 Cogent Financial Solutions

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Cogent Financial Solutions Limited FCA authorised?
Cogent Financial Solutions Limited (FRN 931121) 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 Cogent Financial Solutions?
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. Cogent Financial Solutions Limited (FRN 931121) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Cogent Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cogent 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.
What is Cogent Financial Solutions’ phone number?
The FCA register lists the phone number 07507 874783 for Cogent Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Cogent Financial Solutions a scam or clone?
Cogent Financial Solutions 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 Cogent Financial Solutions?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Cogent Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cogent Financial Solutions?
Companies House lists 2 people with significant control of Cogent Financial Solutions: Mr Robert George Andrew McKenzie (25–50% of shares) and Mr Alexander Paul Cave (25–50% of shares).
Who runs Cogent Financial Solutions?
Companies House lists 2 directors of Cogent Financial Solutions: Alexander Paul Cave and Robert George Andrew McKenzie.
How long has Cogent Financial Solutions been in business?
The company was formed on 23 June 2020.
What do Cogent Financial Solutions’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £30.8k (+438% from £5,732).
Does Cogent Financial Solutions use any other names?
It has previously used the name Cogent Financial Solutions Ltd.

Sources and links

The full report on Cogent Financial Solutions Limited

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