Complete Advice Services Limited

Reference number: 624566

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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 ngenfp.com first appeared online, and whether it can receive email
  • What kind of line 07713 743432 is, and the other firm that gives it
  • Who else gives the postcode HD6 1PP
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Other names (1)

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

  • NGEN Financial Planning Trading name: A name it trades under now.

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.
  • Advise on or arrange mortgages 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 (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • 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) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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 status
Active
Company type
Private limited company
Incorporated
1 December 2003 (22 years old)
Registered office
The Boathouse Victoria Works, Wharf Street, Brighouse, West Yorkshire, HD6 1PP, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Indranil Chakraborty Director Jan 1969 10 Oct 2018 9 other companies
William Wai Leung Mok (Dr) Director Oct 1966 19 Jan 2024 5 other companies

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
11
closed down
4
is FCA-registered
1

In the full report: all 11 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
  • The one on the FCA register
  • The 3 companies these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£100k

<1% from £101k

Cash at bank

£37.4k

No earlier figure to compare

Employees (average)

5

−17% from 6

Owed within a year

£429k

+451% from £77.9k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 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 04979688. 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

Complete Advice Services’s history from the FCA register and Companies House, newest first.

2018

10 October 2018

  • Board replaced: its only director left and 2 new directors took over
  • Ngen Financial Advisory Ltd took control (75–100% of shares)
  • Paul Ronald Hammond stopped being the majority owner
  • Shermila Ojelay stopped being a part-owner

Companies House

2016

20 November 2016

  • Paul Ronald Hammond became the majority owner (50–75% of shares)
  • Shermila Ojelay became a part-owner (25–50% of shares)

Companies House

2014

1 October 2014

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

FCA register

2003

1 December 2003

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Complete Advice Services

Other FCA-listed firms that share a director, phone number or address with Complete Advice Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Complete Advice Services

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

In Brighouse

In the Huddersfield (HD) postcode area

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 Complete Advice Services

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Complete Advice Services Limited FCA authorised?
Yes, Complete Advice Services Limited (FRN 624566) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2014 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Complete Advice Services’ phone number and website?
The FCA register lists the phone number 07713 743432 and the website ngenfp.com for Complete Advice Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Complete Advice Services a scam or clone?
Complete Advice Services 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 Complete Advice Services?
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 Complete Advice Services to the Financial Ombudsman Service, free of charge.
Who owns Complete Advice Services?
Complete Advice Services is owned by Ngen Financial Advisory Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 October 2018. Before that, it was controlled by Ms Shermila Ojelay and Mr Paul Ronald Hammond.
Who runs Complete Advice Services?
Companies House lists 2 directors of Complete Advice Services: Indranil Chakraborty and William Wai Leung Mok (Dr).
How long has Complete Advice Services been in business?
The company was formed on 1 December 2003, and has held its current FCA authorisation since October 2014.
What do Complete Advice Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £100k (<1% from £101k) and cash at bank of £37.4k (no earlier figure to compare).
Does Complete Advice Services use any other names?
It trades as NGEN Financial Planning.

Sources and links

The full report on Complete Advice Services Limited

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