Delphic Financial Planning Limited

Reference number: 486037

Instant download

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.
  • Delphic Financial Planning Limited (FRN 486037) is an AR of Openwork Limited (FRN 408285). When you use Delphic Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Delphic Financial Planning, 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

    01902 851700

  • Address

    17 Heritage Park, Hayes Way, Cannock, Staffordshire, WS11 7LT, United Kingdom

In the full report: 2 background checks

  • What kind of line 01902 851700 is
  • Who else gives the postcode WS11 7LT
Instant PDF download
Other names (9)

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

  • CFS Commercial Finance Trading name
  • CFS Equity Release Trading name
  • Concept Financial Services Trading name
  • Donoghue Money Trading name
  • Donoghue Wealth Trading name
  • Adam Henry Pym Williamson Former name
  • Delphic Financial Planning Ltd Former name
  • Myn Money Former trading name
  • Networker FS 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
06613871
Company status
Active
Company type
Private limited company
Incorporated
6 June 2008 (18 years old)
Registered office
17 Heritage Park, Hayes Way, Cannock, WS11 7LT, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Anthony Donoghue Director Jul 1971 22 Jul 2013 9 other companies
Paul Anthony Donoghue Secretary Not published 22 Jul 2013 –

Other companies run by its director

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
9
closed down
3
is FCA-registered
1

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

−£101k

Up £92.8k from −£194k

Cash at bank

£14.1k

+55% from £9,100

Owed within a year

£419k

+20% from £350k

Net assets are negative: on its last balance sheet the company owed £101k more than it owned.

The accounts for the year to 31 December 2025 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £18.5k, for the year to 31 December 2024.

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
Instant PDF download
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 06613871. 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

Delphic Financial Planning’s history from the FCA register and Companies House, newest first.

Key events (6) All events (21)

2016

6 April 2016

  • Paul Anthony Donoghue took control (75–100% of shares)

Companies House

1 April 2016

  • Changed its registered name from "Delphic Financial Planning Ltd"

FCA register

2013

22 July 2013

  • Board replaced: its only director left and a new director took over

Companies House

2008

31 October 2008

  • Changed its registered name from "Adam Henry Pym Williamson"

FCA register

15 July 2008

  • Became an appointed representative

FCA register

6 June 2008

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (6 shown here)
  • Every director appointment and resignation: 5
Instant PDF download

Firms connected to Delphic Financial Planning

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

connected firms
2
share a director
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Delphic Financial Planning

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

In Cannock

Bubble Financial LimitedCannockAppointed representativeCFS Wills LtdCannockAppointed representativeMark Andrew ChatterfieldCannockAppointed representativeMichael David StevensonCannockAppointed representativeViking Financial Planning LtdCannockAppointed representativeIndependent Financial Advice BureauCannockAuthorised

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 Delphic Financial Planning

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

  • 9 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 21 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Delphic Financial Planning Limited FCA authorised?
Delphic Financial Planning Limited (FRN 486037) 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 Delphic Financial Planning?
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. Delphic Financial Planning Limited (FRN 486037) is an AR of Openwork Limited (FRN 408285). When you use Delphic Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Delphic Financial Planning, 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 Delphic Financial Planning’s phone number?
The FCA register lists the phone number 01902 851700 for Delphic Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Delphic Financial Planning a scam or clone?
Delphic Financial Planning 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 Delphic Financial Planning?
Protection works through Openwork Limited, the principal firm responsible for Delphic Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Delphic Financial Planning?
Companies House lists one person with significant control of Delphic Financial Planning: Mr Paul Anthony Donoghue (75–100% of shares).
Who runs Delphic Financial Planning?
Companies House lists one director of Delphic Financial Planning: Paul Anthony Donoghue.
How long has Delphic Financial Planning been in business?
The company was formed on 6 June 2008.
What do Delphic Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£101k (up £92.8k from −£194k) and cash at bank of £14.1k (+55% from £9,100).
Does Delphic Financial Planning use any other names?
It trades as CFS Commercial Finance, CFS Equity Release, Concept Financial Services, Donoghue Money and Donoghue Wealth. It has previously used 4 other names, including Adam Henry Pym Williamson, Delphic Financial Planning Ltd and Myn Money.

Sources and links

The full report on Delphic Financial Planning Limited

£19.99 · Instant PDF download

Loading secure checkout…