Finance Matters Ltd

Reference number: 449343

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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

The On-Line Partnership Limited Reference number: 192638 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.
  • Finance Matters Ltd (FRN 449343) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Finance Matters's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Finance Matters, 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.

  • No website on the FCA register

  • Phone number

    0121 752 1530

  • Address

    143 Stratford Road, Shirley, Solihull, West Midlands, B90 3AY, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 752 1530 is
  • Who else gives the postcode B90 3AY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The On-Line Partnership 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
05667582
Company status
Active
Company type
Private limited company
Incorporated
5 January 2006 (20 years old)
Registered office
143 Stratford Road, Shirley, Solihull, West Midlands, B90 3AY, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Nigel Reade Director Jan 1964 1 Feb 2012 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£184

Up £46 from £138

Employees (average)

1

Same as 1

Owed within a year

−£5,816

Down £797 from −£5,019

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05667582. 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

Finance Matters’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2016

1 August 2016

  • Nigel Reade took control (75–100% of shares)

Companies House

2012

1 February 2012

  • Board replaced: its only director left and a new director took over

Companies House

2009

1 May 2009

  • Board replaced: its only director left and a new director took over

Companies House

2006

16 March 2006

  • Became an appointed representative

FCA register

5 January 2006

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 9
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Firms like Finance Matters

Other firms of the same type (credit broker), nearest first.

In Solihull

Chapman & Lewis Commercial LimitedSolihullAppointed representativeETO Communications LtdSolihullAppointed representativeGuardian Smart Homes LtdSolihullAppointed representativeNew Id Shirley LtdSolihullAppointed representativeNuravis LtdSolihullAppointed representativeSolihull SchoolSolihullAppointed 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 Finance Matters

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Finance Matters Ltd FCA authorised?
Finance Matters Ltd (FRN 449343) 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 Finance Matters?
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. Finance Matters Ltd (FRN 449343) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Finance Matters's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Finance Matters, 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 Finance Matters’ phone number?
The FCA register lists the phone number 0121 752 1530 for Finance Matters. If you were given different contact details, use these to check with the firm before going any further.
Is Finance Matters a scam or clone?
Finance Matters 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 Finance Matters?
Protection works through The On-Line Partnership Limited, the principal firm responsible for Finance Matters's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Finance Matters?
Companies House lists one person with significant control of Finance Matters: Mr Nigel Reade (75–100% of shares).
Who runs Finance Matters?
Companies House lists one director of Finance Matters: Nigel Reade.
How long has Finance Matters been in business?
The company was formed on 5 January 2006.
What do Finance Matters’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £184 (up £46 from £138).

Sources and links

The full report on Finance Matters Ltd

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