Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 8 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 30 April 2025
- On its latest accounts it owed £84.2k more than it owned
Responsible principal firm
Essential Finance Group Management Limited Reference number: 782710 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Essential Financial Solutions Limited (FRN 805269) introduces customers to Essential Finance Group Management Limited (FRN 782710). Any regulated advice or arranging is done by the principal, not Essential Financial Solutions.
- Example: if Essential Financial Solutions refers you to a financial adviser, the advice should come from the principal firm, not from Essential Financial Solutions itself.
- 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.
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No website on the FCA register
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Phone number
-
Address
6th Floor, Cardinal House, St. Marys Parsonage, Manchester, Greater Manchester, M3 2LG, England
In the full report: 2 background checks
- What kind of line 0800 612 8004 is
- Who else gives the postcode M3 2LG
Other names (1)
If you were contacted under any of these names, it is this firm.
- Essential Funeral Plans Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Essential Finance Group Management 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, freeYou 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 number
- 09357813 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 December 2014 (11 years old)
- Registered office
- 1st Floor Cloister House Riverside, New Bailey Street, Manchester, M3 5FS, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jonathan Christopher Bentley | Director | Jan 1978 | 17 Dec 2014 | 8 other companies |
| Emma Louise Francis Robinson | Secretary | Not published | 22 Jan 2026 | – |
Other companies run by its director
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
- 8
- closed down
- 1
- are FCA-registered
- 4
In the full report: all 8 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The 4 on the FCA register
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£84.2k
Down £21.8k from −£62.4k
Cash at bank
£8,104
+122% from £3,650
Owed within a year
£97.7k
+41% from £69.4k
Total equity is negative: on its last balance sheet the company owed £84.2k more than it owned.
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
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.
Accounts filed at Companies House for company 09357813. 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
Essential Financial Solutions’s history from the FCA register and Companies House, newest first.
2018
28 March 2018
- Became an introducer appointed representative
FCA register
2016
6 April 2016
- Essential Finance Group (UK) Limited took control (75–100% of shares)
Companies House
2014
17 December 2014
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (3 shown here)
- Every director appointment and resignation: 3
Firms connected to Essential Financial Solutions
Other FCA-listed firms that share a director, phone number or address with Essential Financial Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4)
- Who links each one: the named directors, with dates
Firms like Essential Financial Solutions
Other firms of the same type (insurance broker), nearest first.
In Manchester
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 Essential Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 7 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk