Emet Financial Services Limited

Reference number: 773427

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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, 1 thing worth a closer look

  • When merlinwp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01296 925988 is
  • Who else gives the postcode HP23 5EF
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Other names (5)

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

  • EMET Financial Planning Trading name
  • Merlin Mortgages Trading name
  • Merlin Wealth Planning Trading name
  • RMC Wealth Trading name
  • Lloyd Vaughan Wealth 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.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Dealing in investments as agent
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • 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
09656214
Company status
Active
Company type
Private limited company
Incorporated
25 June 2015 (11 years old)
Registered office
Unit 30, Silk Mill Business Park, Brook Street, Tring, Hertfordshire, HP23 5EF, England
Nature of business
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)
  • Pension funding (SIC 65300)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam John Royce Director Sep 1973 7 Aug 2023 7 other companies
David Michael Owen Director Sep 1957 16 Feb 2026 None

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
7
closed down
2
still active
5

In the full report: all 7 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£362k

−35% from £558k

Cash at bank

£13.5k

−65% from £38.5k

Employees (average)

1

Same as 1

Owed within a year

£138k

−4.6% from £145k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 09656214. 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

Emet Financial Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (21)

2023

7 August 2023

  • Board replaced: its only director left and a new director took over
  • David Michael Owen stopped being the majority owner
  • Mrw Group Holdings Ltd took control (75–100% of shares)
  • Sarah Ruth Owen no longer holds 25–50% of the votes

Companies House

2017

3 August 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

6 April 2016

  • David Michael Owen became the majority owner (50–75% of shares)
  • Sarah Ruth Owen gained 25–50% of the votes

Companies House

2015

25 June 2015

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Emet Financial Services

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Emet Financial Services

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

In Tring

Alan Donald & Company LtdTringAuthorisedHpz.3 LtdTringAuthorisedOptimum Solutions Independent Financial Advisers LimitedTringAuthorisedOrchard Independent Financial AdviceTringAuthorisedIan Howard ButlerTringAppointed representativePotter Financial Partners LtdTringAppointed 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 Emet Financial Services

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 21 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Emet Financial Services Limited FCA authorised?
Yes, Emet Financial Services Limited (FRN 773427) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2017 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Emet Financial Services’ phone number and website?
The FCA register lists the phone number 01296 925988 and the website merlinwp.co.uk for Emet Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Emet Financial Services a scam or clone?
Emet Financial Services 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 Emet Financial Services?
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 Emet Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Emet Financial Services?
Emet Financial Services is owned by Mrw Group Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 7 August 2023. Before that, it was controlled by Mrs Sarah Ruth Owen and Mr David Michael Owen.
Who runs Emet Financial Services?
Companies House lists 2 directors of Emet Financial Services: Adam John Royce and David Michael Owen.
How long has Emet Financial Services been in business?
The company was formed on 25 June 2015, and has held its current FCA authorisation since August 2017.
What do Emet Financial Services’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £362k (−35% from £558k) and cash at bank of £13.5k (−65% from £38.5k).
Does Emet Financial Services use any other names?
It trades as EMET Financial Planning, Merlin Mortgages, Merlin Wealth Planning and RMC Wealth. It has previously used the name Lloyd Vaughan Wealth.

Sources and links

The full report on Emet Financial Services Limited

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