Essex Financial Management Limited

Reference number: 149177

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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

  • When efmgroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 01702 482284 is
  • Who else gives the postcode WD7 7AR
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Other names (2)

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

  • EFM Insurance & Financial Group Trading name
  • Antony J Holdsworth & Company Independent Financial Advisers 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information 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
02570025
Company status
Active
Company type
Private limited company
Incorporated
20 December 1990 (35 years old)
Registered office
Elsley Court, 20-22 Great Titchfield Street, London, W1W 8BE, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Marc Simmonds Director Jul 1968 1 Mar 2022 6 other companies
Kevin Terence Michael Honour Director Mar 1981 24 May 2022 8 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
9
closed down
2
are FCA-registered
3

In the full report: all 9 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 3 on the FCA register
  • The 5 companies these 2 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Net assets

£525k

+43% from £368k

Cash at bank

£283k

+123% from £127k

Employees (average)

3

Same as 3

Owed within a year

£59.8k

−1.5% from £60.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2026
  • 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.

Accounts filed at Companies House for company 02570025. 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

Essex Financial Management’s history from the FCA register and Companies House, newest first.

Key events (14) All events (30)

2022

1 March 2022

  • Board replaced: both directors left and 2 new directors took over
  • Efm Holdings Ltd gave up control
  • Efm Holdings Ltd took control (75–100% of shares)
  • Graham Laurence Berg stopped being the majority owner
  • Hcf Financial Limited gave up control
  • Hcf Financial Limited took control (75–100% of shares)
  • Heath Crawford & Foster (Holdings Limited) gave up control
  • Heath Crawford & Foster (Holdings Limited) took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Graham Laurence Berg became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1994

18 July 1994

  • Regulated by the Personal Investment Authority from this date

FCA register

1990

20 December 1990

  • Incorporated at Companies House

Companies House

In the full report: all 30 events

  • All 30 events in its history (14 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Essex Financial Management

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

connected firms
4
share a director
3
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Essex Financial Management

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

In Radlett

Kinetic Wealth Management LimitedRadlettAppointed representativeMorris Wealth Management LimitedRadlettAppointed representativeOptimal Wealth Management LTDRadlettAppointed representativeSimon BensonRadlettAppointed representativeHcf Partnership LimitedRadlettAuthorisedBSG Financial Solutions LimitedRadlettAppointed 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 Essex Financial Management

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 30 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Essex Financial Management Limited FCA authorised?
Yes, Essex Financial Management Limited (FRN 149177) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Essex Financial Management’s phone number and website?
The FCA register lists the phone number 01702 482284 and the website efmgroup.co.uk for Essex Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Essex Financial Management a scam or clone?
Essex Financial Management 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 Essex Financial Management?
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 Essex Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Essex Financial Management?
Essex Financial Management is owned by Hcf Financial Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 March 2022. Before that, it was controlled by Efm Holdings Ltd, Heath Crawford & Foster (Holdings Limited) and Mr Graham Laurence Berg.
Who runs Essex Financial Management?
Companies House lists 2 directors of Essex Financial Management: Kevin Marc Simmonds and Kevin Terence Michael Honour.
How long has Essex Financial Management been in business?
The company was formed on 20 December 1990, and has held its current FCA authorisation since December 2001.
What do Essex Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £525k (+43% from £368k) and cash at bank of £283k (+123% from £127k).
Does Essex Financial Management use any other names?
It trades as EFM Insurance & Financial Group. It has previously used the name Antony J Holdsworth & Company Independent Financial Advisers.

Sources and links

The full report on Essex Financial Management Limited

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