Ebb and Flow Wealth Ltd

Reference number: 918231

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No longer an appointed representative

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Registration ended 13 December 2019.

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.

  • Last known website

    partnership.sjp.co.uk/partner/eddicottwm

  • Last known phone number

    07803 808897

  • Last known address

    3 Avonsands, Mudeford, Christchurch, Bournemouth, BH23 4AX, United Kingdom

In the full report: 3 background checks

  • When partnership.sjp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07803 808897 is
  • Who else gives the postcode BH23 4AX
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Other names (1)

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

  • Eddicott Wealth Management Ltd Former name: A name it was registered under before.

Past FCA permissions and consumer protection

  • The record is closed
    Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

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 status
Active
Company type
Private limited company
Incorporated
22 October 2015 (10 years old)
Registered office
Flat 5 Garden House, 3 Meyrick Road, Bournemouth, Dorset, BH1 3EB, England
Nature of business
  • Pension funding (SIC 65300)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Mackay Low Director Nov 1972 23 Jul 2026 3 other companies

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
3
still active
3
is FCA-registered
1

In the full report: all 3 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£44.4k

−27% from £60.5k

Cash at bank

£47.1k

−41% from £80.3k

Employees (average)

1

Same as 1

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 09836278. 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

Ebb and Flow Wealth’s history from the FCA register and Companies House, newest first.

2026

23 July 2026

  • Board replaced: its only director left and a new director took over
  • Julie Blowers gave up control
  • Tilikum Wealth Management Limited took control (75–100% of shares)

Companies House

2023

6 February 2023

  • Changed its registered name from "Eddicott Wealth Management Ltd"

FCA register

2019

13 December 2019

  • Stopped being an appointed representative

FCA register

2016

6 April 2016

  • Julie Blowers took control (75–100% of shares)

Companies House

2015

22 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Ebb and Flow Wealth

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Ebb and Flow Wealth

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

In Christchurch

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 Ebb and Flow Wealth

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
  • 7 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Ebb and Flow Wealth Ltd FCA authorised?
No. Ebb and Flow Wealth Ltd (FRN 918231) is still listed on the FCA register, but the record is closed: no longer an appointed representative.
Is Ebb and Flow Wealth a scam or clone?
Ebb and Flow Wealth is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.
Is my money safe with Ebb and Flow Wealth?
Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with Ebb and Flow Wealth has no cover, because it is no longer permitted to carry it out.
Who owns Ebb and Flow Wealth?
Ebb and Flow Wealth is owned by Tilikum Wealth Management Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 23 July 2026. Before that, it was controlled by Mrs Julie Blowers.
Who runs Ebb and Flow Wealth?
Companies House lists one director of Ebb and Flow Wealth: Thomas Mackay Low.
How long has Ebb and Flow Wealth been in business?
The company was formed on 22 October 2015.
What do Ebb and Flow Wealth’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £44.4k (−27% from £60.5k) and cash at bank of £47.1k (−41% from £80.3k).
Does Ebb and Flow Wealth use any other names?
It has previously used the name Eddicott Wealth Management Ltd.

Sources and links

The full report on Ebb and Flow Wealth Ltd

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