Cove Financial Planning (Leeds) Limited

Reference number: 1018948

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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 covefp.co.uk first appeared online, and whether it can receive email
  • What kind of line 0113 880 5515 is
  • Who else gives the postcode LS1 2JP
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Other names (1)

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

  • Cove Financial Planning Trading name

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.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Voluntary application for imposition of requirements
    1. Cove Financial is required to abide by a Deed Poll executed by it dated 23 July 2025 (the “Deed Poll”) in relation to specified clients and past business of Cove Financial Planning (Leeds) Limited (FRN 1003355), Appointed Representatives of Cove Financial Planning Limited (FRN 960167) listed in an Annex to the Deed Poll. Under this Deed Poll, Cove Financial has accepted liability and responsibility in relation to certain regulated activities and services previously carried on by the Firm whilst operating as an Appointed Representative. The full detail of such acceptance of liability and responsibility by Cove Financial is set out in the Deed Poll. 2. Cove Financial will only onboard or otherwise advise any additional clients currently or formerly advised by Cove Financial Planning (Leeds) Limited (FRN 1003355) and/or Cove Financial Planning Limited (FRN 960167) other than those set out in the Deed Poll (the “Additional Client(s)”) with the Authority’s prior written consent. 3. Cove Financial will, if the Authority gives such prior written consent, amend the Deed Poll to include the names and details of all Additional Client(s) to those set out in the Annex to the original Deed Poll. The amended Deed Poll must be re-executed prior to the Firm engaging in any business with or for such Additional Client(s). 4. In addition, Cove Financial will only enter into any agreements in relation to future movements of any former clients of Cove Financial Planning (Leeds) Limited (FRN 1003355) and/or Cove Financial Planning Limited (FRN 960167) (including, for the avoidance of doubt, any Additional Client(s)), by gift or sale, without the Authority’s prior written consent. Effective date 5. The requirements in this application are to take effect immediately upon the Firm becoming authorised and upon their acceptance by the Authority, as notified to the Firm via email. Variation and cancellation 6. The Requirements herein will remain in effect until such a time as the FCA provides to Cove Financial its written consent to vary or rescind the requirements in part or in full (whether upon application by Cove Financial or on the FCA’s own initiative).

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
15129155
Company status
Active
Company type
Private limited company
Incorporated
11 September 2023 (3 years old)
Registered office
Aspire Offices, 2 Infirmary Street, Leeds, LS1 2JP, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas James Frane Director Sep 1993 11 Sep 2023 1 other company
Joseph Denis O'Shea Director Jun 1973 11 Sep 2023 3 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
3
closed down
2
run together
1

In the full report: all 3 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£240k

+92% from £125k

Employees (average)

7

+40% from 5

Owed within a year

£77.5k

+15% from £67.5k

Assets and liabilities

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 15129155. 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

Cove Financial Planning (Leeds)’s history from the FCA register and Companies House, newest first.

Key events (6) All events (11)

2025

18 August 2025

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Voluntary application for imposition of requirements)
  • Became authorised by the FCA

FCA register

2023

11 September 2023

  • Incorporated at Companies House
  • Joseph Denis O'Shea became the majority owner (50–75% of shares)
  • Thomas James Frane became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Cove Financial Planning (Leeds)

Other FCA-listed firms that share a director, phone number or address with Cove Financial Planning (Leeds). 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
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Firms like Cove Financial Planning (Leeds)

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

In Leeds

2 Plan Wealth Management LimitedLeedsAuthorisedA. Bianchi Financial Solutions LimitedLeedsAuthorisedAge Partnership Wealth Management LimitedLeedsAuthorisedApollo Financial Consultancy LtdLeedsAuthorisedBareham Independent Financial Advisers LimitedLeedsAuthorisedBartlett Wealth Management LtdLeedsAuthorised

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 Cove Financial Planning (Leeds)

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 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 Cove Financial Planning (Leeds) Limited FCA authorised?
Yes, Cove Financial Planning (Leeds) Limited (FRN 1018948) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2025 and works as a financial adviser. The FCA has placed a limit on what it may do.
What is Cove Financial Planning (Leeds)’s phone number and website?
The FCA register lists the phone number 0113 880 5515 and the website covefp.co.uk for Cove Financial Planning (Leeds). If you were given different contact details, use these to check with the firm before going any further.
Is Cove Financial Planning (Leeds) a scam or clone?
Cove Financial Planning (Leeds) 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 Cove Financial Planning (Leeds)?
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 Cove Financial Planning (Leeds) to the Financial Ombudsman Service, free of charge.
Who owns Cove Financial Planning (Leeds)?
Companies House lists 2 people with significant control of Cove Financial Planning (Leeds): Mr Joseph Denis O'Shea (50–75% of shares) and Thomas James Frane (25–50% of shares).
Who runs Cove Financial Planning (Leeds)?
Companies House lists 2 directors of Cove Financial Planning (Leeds): Thomas James Frane and Joseph Denis O'Shea.
How long has Cove Financial Planning (Leeds) been in business?
The company was formed on 11 September 2023, and has held its current FCA authorisation since August 2025.
What do Cove Financial Planning (Leeds)’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £240k (+92% from £125k).
Does Cove Financial Planning (Leeds) use any other names?
It trades as Cove Financial Planning.

Sources and links

The full report on Cove Financial Planning (Leeds) Limited

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