Derwen Financial Planning Ltd

Reference number: 788539

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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

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.
  • Derwen Financial Planning Ltd (FRN 788539) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Derwen Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Derwen 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.

In the full report: 3 background checks

  • When dfpl.co.uk first appeared online, and whether it can receive email
  • What kind of line 01267 230380 is
  • Who else gives the postcode SA31 3AP
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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.

Companies House record

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

Company name
DERWEN FINANCIAL PLANNING LIMITED
Company number
10841100
Company status
Active
Company type
Private limited company
Incorporated
29 June 2017 (9 years old)
Registered office
105 Lammas Street, Carmarthen, SA31 3AP, Wales
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Garry Lee Penfold Director Oct 1975 14 Feb 2024 None

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 30 June 2025Micro-entity accountsNot audited

Net assets

£38.1k

Up £37.0k from £1,058

Owed within a year

£20.6k

−52% from £43.0k

Net assets

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 10841100. 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

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

Key events (6) All events (9)

2024

14 February 2024

  • Board replaced: its only director left and a new director took over
  • Desmond Glyn Thomas gave up control
  • Garry Lee Penfold took control (75–100% of shares)

Companies House

2017

8 September 2017

  • Became an appointed representative

FCA register

29 June 2017

  • Incorporated at Companies House
  • Desmond Glyn Thomas took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Derwen Financial Planning

Other FCA-listed firms that share a director, phone number or address with Derwen Financial Planning. 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 Derwen Financial Planning

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

In Carmarthen

Dyfed Insure Services LtdCarmarthenAppointed representativeM J W Pensions & Investments LimitedCarmarthenAppointed representativeP J McCarthy, G R Thomas & S N GeorgeCarmarthenAppointed representativeStephen Oliver JonesCarmarthenAppointed representativeMontague Fox LimitedCarmarthenAppointed representativeSeren Vets Carmarthen LimitedCarmarthenAppointed 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 Derwen Financial Planning

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Derwen Financial Planning Ltd FCA authorised?
Derwen Financial Planning Ltd (FRN 788539) 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 Derwen 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. Derwen Financial Planning Ltd (FRN 788539) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Derwen Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Derwen 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 Derwen Financial Planning’s phone number and website?
The FCA register lists the phone number 01267 230380 and the website dfpl.co.uk for Derwen Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Derwen Financial Planning a scam or clone?
Derwen 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 Derwen Financial Planning?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Derwen Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Derwen Financial Planning?
Companies House lists one person with significant control of Derwen Financial Planning: Mr Garry Lee Penfold (75–100% of shares). Before that, it was controlled by Mr Desmond Glyn Thomas.
Who runs Derwen Financial Planning?
Companies House lists one director of Derwen Financial Planning: Garry Lee Penfold.
How long has Derwen Financial Planning been in business?
The company was formed on 29 June 2017.
What do Derwen Financial Planning’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £38.1k (up £37.0k from £1,058).

Sources and links

The full report on Derwen Financial Planning Ltd

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