Equation Financial Services Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2008
Accounts filed up to 31 March 2026

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.

Website

equationfinancial.com (opens in a new tab)
Phone number

0151 707 9339
Address

The Cross 1a, Speke Road, Woolton, Liverpool, L25 8QA, United Kingdom

In the full report: 3 background checks

When equationfinancial.com first appeared online, and whether it can receive email
What kind of line 0151 707 9339 is
Who else gives the postcode L25 8QA

Other names (2)

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

Equation Trading name: A name it trades under now.
Equation/Financial Former trading name: A name it used to trade under.

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 FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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 (11 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Providing Credit Information Services

Limits on what they may do

Not permitted to carry out credit repair services

This permission is limited to not carrying out credit repair services

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: 06541560 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 March 2008 (18 years old)
Registered office: The Cross 1a Speke Road, Woolton, Liverpool, L25 8QA, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Geoffrey Arnold	Director	Oct 1971	28 Oct 2008	2 other companies
Ian Peter Arnold	Director	Jul 1965	20 Mar 2010	4 other companies
Geoffrey Arnold	Secretary	Not published	28 Oct 2008	2 other companies

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: 1
run together: 2

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
The 2 companies these 2 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£44.8k

+15% from £38.9k

Employees (average)

0

Same as 0

Owed within a year

−£74.6k

Down £988 from −£73.7k

Net assets

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

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 06541560. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (6) All events (16)

2018

3 January 2018

FCA imposed a requirement (Not permitted to carry out credit repair services)

FCA register

2017

8 December 2017

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

FCA register

2016

1 July 2016

Geoffrey Arnold became a part-owner (25–50% of shares)
Ian Peter Arnold became a part-owner (25–50% of shares)

Companies House

2008

20 March 2008

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (6 shown here)
Every director appointment and resignation: 6

Firms like Equation Financial Services

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

In Liverpool

A & B Financial LtdLiverpoolAuthorised Absolute Mortgage Solutions LtdLiverpoolAuthorised Chris CassidyLiverpoolAuthorised Dorothy Killen T/A Smart Move MortgagesLiverpoolAuthorised Excelsior Vita Financial Services LtdLiverpoolAuthorised Forbes Securities Ltd.LiverpoolAuthorised

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 Equation Financial Services

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 16 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Equation Financial Services Ltd FCA authorised?

Yes, Equation Financial Services Ltd (FRN 785015) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2017 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.

What is Equation Financial Services’ phone number and website?

The FCA register lists the phone number 0151 707 9339 and the website equationfinancial.com for Equation Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Equation Financial Services a scam or clone?

Equation 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 Equation 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 Equation Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Equation Financial Services?

Companies House lists 2 people with significant control of Equation Financial Services: Mr Ian Peter Arnold (25–50% of shares) and Mr Geoffrey Arnold (25–50% of shares).

Who runs Equation Financial Services?

Companies House lists 2 directors of Equation Financial Services: Geoffrey Arnold and Ian Peter Arnold.

How long has Equation Financial Services been in business?

The company was formed on 20 March 2008, and has held its current FCA authorisation since December 2017.

What do Equation Financial Services’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £44.8k (+15% from £38.9k).

Does Equation Financial Services use any other names?

It trades as Equation. It has previously used the name Equation/Financial.