Eclipse Financial Management Limited

Reference number: 535496

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 payingtoomuch.com first appeared online, and whether it can receive email
  • What kind of line 01604 212053 is, and the other firm that gives it
  • Who else gives the postcode NN4 7YB
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Other names (3)

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

  • www.payingtoomuch.com Trading name
  • Jelf Protection Former trading name
  • www.quickcoverlife.co.uk Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

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
07412856
Company status
Active
Company type
Private limited company
Incorporated
19 October 2010 (16 years old)
Registered office
Britannia House, 3-5 Rushmills, Northampton, NN4 7YB, England
Nature of business
  • Other information technology service activities (SIC 62090)

Directors and company secretaries

Name Role Born Appointed Other companies
Julian Kearney Director Dec 1964 19 Nov 2019 3 other companies
Darren Michael Saunders Director Apr 1975 3 Oct 2022 4 other companies
Chris David Sugden Director May 1980 3 Oct 2022 3 other companies
Simon Robert Mcculloch Director Apr 1975 15 Aug 2026 5 other companies

Other companies run by these 4 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
9
closed down
1
are FCA-registered
3

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 4 companies these 4 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2018Small company accountsNot audited

Net assets

£3.78m

No earlier figure to compare

Cash at bank

£451k

No earlier figure to compare

Employees (average)

50

No earlier figure to compare

Owed within a year

£430k

No earlier figure to compare

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 07412856. 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

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

Key events (5) All events (24)

2016

19 October 2016

  • Eclipse Financial Holdings Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

1 July 2011

  • Became authorised by the FCA

FCA register

7 February 2011

  • Regulated by the Financial Services Authority from this date

FCA register

2010

19 October 2010

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (5 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Eclipse Financial Management

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

connected firms
7
share a director
3
share its phone number
1

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Eclipse Financial Management

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

In Northampton

Alliance Financial Consultancy LimitedNorthamptonAuthorisedAssist Insurance Services LimitedNorthamptonAuthorisedAstute Insurance Solutions LimitedNorthamptonAuthorisedCrixus (London) LtdNorthamptonAuthorisedFinance Investments LimitedNorthamptonAuthorisedFirst Point Insurance Management LimitedNorthamptonAuthorised

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 Eclipse Financial Management

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
  • 3 background checks on its contact details
  • All 24 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Eclipse Financial Management Limited FCA authorised?
Yes, Eclipse Financial Management Limited (FRN 535496) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2011 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Eclipse Financial Management’s phone number and website?
The FCA register lists the phone number 01604 212053 and the website payingtoomuch.com for Eclipse Financial Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Eclipse Financial Management a scam or clone?
Eclipse 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 Eclipse Financial Management?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Eclipse Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Eclipse Financial Management?
Eclipse Financial Management is owned by Eclipse Financial Holdings Limited, which holds 75–100% of shares, since 19 October 2016.
Who runs Eclipse Financial Management?
Companies House lists 4 directors of Eclipse Financial Management: Julian Kearney, Darren Michael Saunders, Chris David Sugden and Simon Robert McCulloch.
How long has Eclipse Financial Management been in business?
The company was formed on 19 October 2010, and has held its current FCA authorisation since July 2011.
What do Eclipse Financial Management’s latest accounts show?
Its latest accounts, to 31 December 2018, show net assets of £3.78m (no earlier figure to compare) and cash at bank of £451k (no earlier figure to compare).
Does Eclipse Financial Management use any other names?
It trades as www.payingtoomuch.com. It has previously used 2 other names: Jelf Protection and www.quickcoverlife.co.uk.

Sources and links

The full report on Eclipse Financial Management Limited

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