Creative Financial Management Limited

Reference number: 216438

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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

Openwork Limited Reference number: 408285 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.
  • Creative Financial Management Limited (FRN 216438) is an AR of Openwork Limited (FRN 408285). When you use Creative Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Creative Financial Management, 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

    0113 269 4227

  • Address

    Unit 4,, Suite 8 Regent Business Hub, Pavilion Business Park, Royds,Hall Road, Leeds, LS12 6AJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 0113 269 4227 is
  • Who else gives the postcode LS12 6AJ
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Other names (4)

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

  • Creative Financial Management Former name
  • Stuart Bailey Former name
  • Stuart Michael Bailey Former name
  • Creative Mortgage Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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 number
13734208
Company status
Active
Company type
Private limited company
Incorporated
10 November 2021 (4 years old)
Registered office
Unit 4, Suite 8 Regent Business Hub, Pavilion Business Park, Royds Hall Road, Leeds, LS12 6AJ, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart Michael Bailey Director Jan 1964 10 Nov 2021 None
Rachel Bailey Secretary Not published 1 Apr 2026 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£20.9k

+134% from £8,915

Cash at bank

£26.6k

+81% from £14.7k

Employees (average)

2

Same as 2

Owed within a year

£7,169

−5% from £7,550

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.

Accounts filed at Companies House for company 13734208. 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

Creative Financial Management’s history from the FCA register and Companies House, newest first.

Key events (7) All events (14)

2022

6 February 2022

  • Changed its registered name from "Stuart Michael Bailey"

FCA register

2021

10 November 2021

  • Incorporated at Companies House
  • Rachel Bailey became a part-owner (25–50% of shares)
  • Stuart Michael Bailey became a part-owner (25–50% of shares)

Companies House

2007

18 January 2007

  • Changed its registered name from "Creative Financial Management"

FCA register

2004

9 February 2004

  • Changed its registered name from "Stuart Bailey"

FCA register

2002

15 July 2002

  • Became an appointed representative

FCA register

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Creative Financial Management

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Creative Financial Management

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

In the Leeds (LS) postcode area

2PM Financial Services LimitedAppointed representativeAdam MacKenzie & PartnersLeedsAppointed representativeAndrew William BlackburnLeedsAppointed representativeAndrew YoungLeedsAppointed representativeAquarius Financial Associates LimitedYeadonAppointed representativeArqera Capital LimitedLeedsAppointed 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 Creative Financial Management

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 14 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Creative Financial Management Limited FCA authorised?
Creative Financial Management Limited (FRN 216438) 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 Creative Financial Management?
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. Creative Financial Management Limited (FRN 216438) is an AR of Openwork Limited (FRN 408285). When you use Creative Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Creative Financial Management, 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 Creative Financial Management’s phone number?
The FCA register lists the phone number 0113 269 4227 for Creative Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Creative Financial Management a scam or clone?
Creative Financial Management 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 Creative Financial Management?
Protection works through Openwork Limited, the principal firm responsible for Creative Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Creative Financial Management?
Companies House lists 2 people with significant control of Creative Financial Management: Mr Stuart Michael Bailey (25–50% of shares) and Miss Rachel Bailey (25–50% of shares).
Who runs Creative Financial Management?
Companies House lists one director of Creative Financial Management: Stuart Michael Bailey.
How long has Creative Financial Management been in business?
The company was formed on 10 November 2021.
What do Creative Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £20.9k (+134% from £8,915) and cash at bank of £26.6k (+81% from £14.7k).
Does Creative Financial Management use any other names?
It has previously used 4 other names, including Creative Financial Management, Stuart Bailey and Stuart Michael Bailey.

Sources and links

The full report on Creative Financial Management Limited

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