EF Solutions Ltd

Reference number: 426264

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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.
  • EF Solutions Ltd (FRN 426264) is an AR of Quilter Financial Services Limited (FRN 440703). When you use EF Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from EF Solutions, 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 mortgageadvisersinkent.co.uk first appeared online, and whether it can receive email
  • What kind of line 01892 502400 is
  • Who else gives the postcode ME13 8YA
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Other names (3)

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

  • Easy Financials Former name
  • EF Solutions Ltd (Suspended) Former name
  • Andromeda Associates Former trading name

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
E.F. SOLUTIONS LIMITED
Company number
05274294
Company status
Active
Company type
Private limited company
Incorporated
1 November 2004 (21 years old)
Registered office
Glendinning, Brogdale Road, Faversham, Kent, ME13 8YA, United Kingdom
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Martin David Gullett Director Sep 1962 10 Jun 2015 3 other companies
Thomas Martin Gullett Director Dec 1992 23 Jul 2026 1 other company

Other companies run by these 2 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
4
closed down
3
still active
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£690

−36% from £1,086

Cash at bank

£16.0k

+37% from £11.7k

Employees (average)

3

Same as 3

Owed within a year

£29.6k

+13% from £26.2k

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
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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 05274294. 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

EF Solutions’s history from the FCA register and Companies House, newest first.

Key events (11) All events (21)

2020

19 June 2020

  • Martin David Gullett stopped being a part-owner

Companies House

16 June 2020

  • Andromeda Associates Limited became a part-owner (25–50% of shares)

Companies House

2018

12 January 2018

  • Christopher Hazelhurst stopped being a part-owner

Companies House

2016

6 April 2016

  • Christopher Hazelhurst became a part-owner (25–50% of shares)
  • John Langford became a part-owner (25–50% of shares)
  • Martin David Gullett became a part-owner (25–50% of shares)

Companies House

2006

3 August 2006

  • Changed its registered name from "EF Solutions Ltd (Suspended)"

FCA register

31 July 2006

  • Changed its registered name from "E F Solutions Ltd"

FCA register

2005

9 May 2005

  • Changed its registered name from "Easy Financials"

FCA register

11 February 2005

  • Became an appointed representative

FCA register

2004

1 November 2004

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (11 shown here)
  • Every director appointment and resignation: 8
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Firms like EF Solutions

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

In Faversham

Mead Wealth Management LimitedFavershamAppointed representative

In the Medway (ME) postcode area

Adams & Bowles Wealth Management LtdWest MalingAppointed representativeAJNunn Mortgage Solutions LtdWest MallingAppointed representativeAK Tax & Accountancy LtdRochesterAppointed representativeAllied Luptons LimitedMaidstoneAppointed representativeAmbersmith Wealth Consultancy LtdWest MallingAppointed 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 EF Solutions

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 21 events in its history

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Frequently asked questions about this firm

Is EF Solutions Ltd FCA authorised?
EF Solutions Ltd (FRN 426264) 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 EF Solutions?
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. EF Solutions Ltd (FRN 426264) is an AR of Quilter Financial Services Limited (FRN 440703). When you use EF Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from EF Solutions, 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 EF Solutions’ phone number and website?
The FCA register lists the phone number 01892 502400 and the website mortgageadvisersinkent.co.uk for EF Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is EF Solutions a scam or clone?
EF Solutions 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 EF Solutions?
Protection works through Quilter Financial Services Limited, the principal firm responsible for EF Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns EF Solutions?
Companies House lists 2 people with significant control of EF Solutions: Andromeda Associates Limited (25–50% of shares) and John Langford (25–50% of shares). Before that, it was controlled by Mr Martin David Gullett and Christopher Hazelhurst.
Who runs EF Solutions?
Companies House lists 2 directors of EF Solutions: Martin David Gullett and Thomas Martin Gullett.
How long has EF Solutions been in business?
The company was formed on 1 November 2004.
What do EF Solutions’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £690 (−36% from £1,086) and cash at bank of £16.0k (+37% from £11.7k).
Does EF Solutions use any other names?
It has previously used 3 other names: Easy Financials, EF Solutions Ltd (Suspended) and Andromeda Associates.

Sources and links

The full report on EF Solutions Ltd

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