Essex Financial Planners UK Ltd

Reference number: 453773

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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 essexfp.com first appeared online, and whether it can receive email
  • What kind of line 01702 347734 is
  • Who else gives the postcode SS0 7LX
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Other names (1)

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

  • Essex Financial Planners 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 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 (12 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • 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) 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

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
04343938
Company status
Active
Company type
Private limited company
Incorporated
20 December 2001 (24 years old)
Registered office
Bank House, 26 Hamlet Court Road, Westcliff On Sea, Essex, SS0 7LX
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Raymond Waterman Director Mar 1957 20 Dec 2001 2 other companies

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
2
closed down
1
still active
1

In the full report: all 2 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£43.7k

−11% from £49.1k

Cash at bank

£67.6k

−7.6% from £73.2k

Owed within a year

£31.5k

+14% from £27.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

Accounts filed at Companies House for company 04343938. 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 Planners UK’s history from the FCA register and Companies House, newest first.

Key events (8) All events (15)

2022

4 January 2022

  • Eileen Waterman became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Eileen Waterman became a part-owner (25–50% of shares)
  • Eileen Waterman stopped being a part-owner
  • Raymond Waterman became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

15 September 2006

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

FCA register

2001

20 December 2001

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (8 shown here)
  • Every director appointment and resignation: 3
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Firms like Essex Financial Planners UK

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

In Westcliff-On-Sea

Dukes Financial Planning LLPWestcliff-on-SeaAuthorisedEdward Paul Financial Planning LtdWestcliff-on-SeaAuthorisedJonathan KnightWestcliff-On-SeaAuthorisedLightblue UK LimitedWestcliff-on-SeaAuthorisedBarbac Payne Wealth Management LimitedWestcliff-on-SeaAppointed representativeLightblue Online LLPWestcliff-on-seaAppointed 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 Planners UK

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Essex Financial Planners UK Ltd FCA authorised?
Yes, Essex Financial Planners UK Ltd (FRN 453773) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2006 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Essex Financial Planners UK’s phone number and website?
The FCA register lists the phone number 01702 347734 and the website essexfp.com for Essex Financial Planners UK. If you were given different contact details, use these to check with the firm before going any further.
Is Essex Financial Planners UK a scam or clone?
Essex Financial Planners UK 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 Planners UK?
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 Planners UK to the Financial Ombudsman Service, free of charge.
Who owns Essex Financial Planners UK?
Companies House lists 2 people with significant control of Essex Financial Planners UK: Mrs Eileen Waterman (25–50% of shares) and Mr Raymond Waterman (25–50% of shares).
Who runs Essex Financial Planners UK?
Companies House lists one director of Essex Financial Planners UK: Raymond Waterman.
How long has Essex Financial Planners UK been in business?
The company was formed on 20 December 2001, and has held its current FCA authorisation since September 2006.
What do Essex Financial Planners UK’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £43.7k (−11% from £49.1k) and cash at bank of £67.6k (−7.6% from £73.2k).
Does Essex Financial Planners UK use any other names?
It trades as Essex Financial Planners.

Sources and links

The full report on Essex Financial Planners UK Ltd

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