Fathom Financial Limited

Reference number: 998898

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

ValidPath Financial Limited Reference number: 836465 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Fathom Financial Limited (FRN 998898) is an AR of ValidPath Financial Limited (FRN 836465). When you use Fathom Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fathom Financial, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

In the full report: 3 background checks

  • When fathomfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 043 8341 is
  • Who else gives the postcode DL16 6EB
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Other names (1)

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

  • Fathom Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath Financial 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, free
    You 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
10548553
Company status
Active
Company type
Private limited company
Incorporated
5 January 2017 (9 years old)
Registered office
Prosperity House, 1 Barnfield Road, Spennymoor, DL16 6EB, United Kingdom
Nature of business
  • Pension funding (SIC 65300)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Andrew Moss Director Oct 1959 12 Sep 2023 8 other companies
Victoria Rose Bell Director Mar 1979 11 Oct 2024 None
Mark Antony Abley Director Nov 1964 24 Feb 2026 7 other companies

Other companies run by these 3 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
15
closed down
8
is FCA-registered
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£1.94m

+12% from £1.73m

Cash at bank

£100k

−49% from £195k

Employees (average)

9

−10% from 10

Owed within a year

£80.0k

−55% from £177k

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 10548553. 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

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

Key events (10) All events (20)

2026

31 March 2026

  • Catherine Ann Abley stopped being a part-owner
  • Fathom Financial Holdings Limited took control (75–100% of shares)
  • Mark Antony Abley stopped being a part-owner

Companies House

2023

21 September 2023

  • Board replaced: both directors left and a new director took over

Companies House

30 June 2023

  • Became an appointed representative

FCA register

2017

1 August 2017

  • Catherine Ann Abley became a part-owner (25–50% of shares)
  • County Capital Wealth Management Ltd gave up control
  • Mark Antony Abley became a part-owner (25–50% of shares)

Companies House

5 January 2017

  • Incorporated at Companies House
  • County Capital Wealth Management Ltd took control (75–100% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (10 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Fathom Financial

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Fathom Financial

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

In Spennymoor

Financial Dimensions U.K. LimitedSpennymoorAuthorised

In the Darlington (DL) postcode area

APB Mortgages LtdCrookAppointed representativeCarter Thompson & Associates LimitedDarlingtonAppointed representativeDenham & Burd Wealth Management LimitedDarlingtonAppointed representativeHalo Investment & Pension Solutions LimitedDarlingtonAppointed representativeJohn BaileyBishop AucklandAppointed 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 Fathom Financial

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Fathom Financial Limited FCA authorised?
Fathom Financial Limited (FRN 998898) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Fathom Financial?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Fathom Financial Limited (FRN 998898) is an AR of ValidPath Financial Limited (FRN 836465). When you use Fathom Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fathom Financial, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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.
What is Fathom Financial’s phone number and website?
The FCA register lists the phone number 0800 043 8341 and the website fathomfinancial.co.uk for Fathom Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Fathom Financial a scam or clone?
Fathom Financial 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 Fathom Financial?
Protection works through ValidPath Financial Limited, the principal firm responsible for Fathom Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fathom Financial?
Fathom Financial is owned by Fathom Financial Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 March 2026. Before that, it was controlled by Mr Mark Antony Abley, Mrs Catherine Ann Abley and County Capital Wealth Management Ltd.
Who runs Fathom Financial?
Companies House lists 3 directors of Fathom Financial: Kevin Andrew Moss, Victoria Rose Bell and Mark Antony Abley.
How long has Fathom Financial been in business?
The company was formed on 5 January 2017.
What do Fathom Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £1.94m (+12% from £1.73m) and cash at bank of £100k (−49% from £195k).
Does Fathom Financial use any other names?
It trades as Fathom.

Sources and links

The full report on Fathom Financial Limited

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