Emerald Financial Solutions Limited

Reference number: 426026

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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

HL Partnership Limited Reference number: 303397 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.
  • Emerald Financial Solutions Limited (FRN 426026) is an AR of HL Partnership Limited (FRN 303397). When you use Emerald Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Emerald Financial 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.

  • No website on the FCA register

  • Phone number

    01903 245882

  • Address

    15 Hythe Road, Worthing, W.Sussex, BN11 5DA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01903 245882 is
  • Who else gives the postcode BN11 5DA
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Other names (2)

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

  • Emerald Financial Solutions Former name
  • Emerald Financial Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
05429372
Company status
Active
Company type
Private limited company
Incorporated
19 April 2005 (21 years old)
Registered office
15 Hythe Road, Worthing, West Sussex, BN11 5DA
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Rudrum Director Oct 1966 19 Apr 2005 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 April 2025Micro-entity accountsNot audited

Net assets

£501

−75% from £2,019

Employees (average)

1

Same as 1

Owed within a year

£2,988

−23% from £3,856

Net assets

In the full report: all 4 years of accounts

  • Every year from 2022 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 05429372. 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

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

Key events (7) All events (10)

2025

6 March 2025

  • Changed its registered name from "Emerald Financial Solutions Ltd"

FCA register

2022

30 April 2022

  • Donald Henry Calder Simmons no longer has significant control
  • Richard Rudrum gained significant control

Companies House

2016

19 April 2016

  • Donald Henry Calder Simmons gained significant control

Companies House

2007

21 December 2007

  • Changed its registered name from "Emerald Financial Solutions"

FCA register

2005

19 April 2005

  • Incorporated at Companies House

Companies House

7 February 2005

  • Became an appointed representative

FCA register

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 like Emerald Financial Solutions

Other firms of the same type (mortgage adviser or broker), nearest first.

In Worthing

Apollo Mortgages LimitedWorthingAppointed representativeArrow Mortgage Solutions LtdWorthingAppointed representativeAxios Finance LtdWorthingAppointed representativeDonald SimmonsWorthingAppointed representativeGaia Financial LimitedWorthingAppointed representativeIntegrity Mortgages LimitedWorthingAppointed 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 Emerald Financial Solutions

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
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Emerald Financial Solutions Limited FCA authorised?
Emerald Financial Solutions Limited (FRN 426026) 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 Emerald Financial 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. Emerald Financial Solutions Limited (FRN 426026) is an AR of HL Partnership Limited (FRN 303397). When you use Emerald Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Emerald Financial 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 Emerald Financial Solutions’ phone number?
The FCA register lists the phone number 01903 245882 for Emerald Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Emerald Financial Solutions a scam or clone?
Emerald Financial 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 Emerald Financial Solutions?
Protection works through HL Partnership Limited, the principal firm responsible for Emerald Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Emerald Financial Solutions?
Companies House lists one person with significant control of Emerald Financial Solutions: Mr Richard Rudrum (significant influence or control). Before that, it was controlled by Mr Donald Henry Calder Simmons.
Who runs Emerald Financial Solutions?
Companies House lists one director of Emerald Financial Solutions: Richard Rudrum.
How long has Emerald Financial Solutions been in business?
The company was formed on 19 April 2005.
What do Emerald Financial Solutions’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £501 (−75% from £2,019).
Does Emerald Financial Solutions use any other names?
It has previously used 2 other names: Emerald Financial Solutions and Emerald Financial Solutions Ltd.

Sources and links

The full report on Emerald Financial Solutions Limited

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