CPS Financial Solutions Ltd

Reference number: 442763

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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

Quilter Financial Services Limited Reference number: 440703 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.
  • CPS Financial Solutions Ltd (FRN 442763) is an AR of Quilter Financial Services Limited (FRN 440703). When you use CPS Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CPS 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When cpsfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01484 859529 is
  • Who else gives the postcode HD9 4ET
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Other names (1)

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

  • Helping Hands Protection Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company name
CPS FINANCIAL SOLUTIONS LIMITED
Company number
05587617
Company status
Active
Company type
Private limited company
Incorporated
10 October 2005 (21 years old)
Registered office
C/O Finlayson & Co Whitby Court, Abbey Road Shepley, Huddersfield, West Yorkshire, HD8 8EL
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Bradley Cooper Director Jul 1974 12 Oct 2005 2 other companies
Craig Anthony Nicholls Director Oct 1965 12 Oct 2005 None
Andrew Smith Director Dec 1973 21 May 2012 2 other companies
Craig Anthony Nicholls Secretary Not published 12 Oct 2005 None

Other companies run by these 3 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
still active
2
run together
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 companies these 3 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£491k

+1.4% from £484k

Cash at bank

£320k

+11% from £288k

Employees (average)

10

−17% from 12

Owed within a year

£100.0k

−2.7% from £103k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 05587617. 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

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

Key events (6) All events (13)

2023

1 February 2023

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2017

23 June 2017

  • Andrew Smith became a part-owner (25–50% of shares)
  • Craig Nicholls became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Paul Bradley Cooper became a part-owner (25–50% of shares)

Companies House

2005

30 November 2005

  • Became an appointed representative

FCA register

10 October 2005

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms like CPS Financial Solutions

Other firms of the same type (insurance broker), nearest first.

In Holmfirth

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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 CPS 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
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is CPS Financial Solutions Ltd FCA authorised?
CPS Financial Solutions Ltd (FRN 442763) 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 CPS 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. CPS Financial Solutions Ltd (FRN 442763) is an AR of Quilter Financial Services Limited (FRN 440703). When you use CPS Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CPS 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 CPS Financial Solutions’ phone number and website?
The FCA register lists the phone number 01484 859529 and the website cpsfs.co.uk for CPS Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is CPS Financial Solutions a scam or clone?
Scammers have impersonated CPS Financial Solutions: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for CPS Financial Solutions, shown on this page.
Is my money safe with CPS Financial Solutions?
Protection works through Quilter Financial Services Limited, the principal firm responsible for CPS Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CPS Financial Solutions?
Companies House lists 3 people with significant control of CPS Financial Solutions: Mr Andrew Smith (25–50% of shares), Mr Craig Nicholls (25–50% of shares) and Mr Paul Bradley Cooper (25–50% of shares).
Who runs CPS Financial Solutions?
Companies House lists 3 directors of CPS Financial Solutions: Paul Bradley Cooper, Craig Anthony Nicholls and Andrew Smith.
How long has CPS Financial Solutions been in business?
The company was formed on 10 October 2005.
What do CPS Financial Solutions’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £491k (+1.4% from £484k) and cash at bank of £320k (+11% from £288k).
Does CPS Financial Solutions use any other names?
It has previously used the name Helping Hands Protection.

Sources and links

The full report on CPS Financial Solutions Ltd

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