Financial Foresight (NI) Limited

Reference number: 434724

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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 financialforesight.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 4461 7575 is
  • Who else gives the postcode BT30 9JY
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Other names (5)

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

  • Belgravia Associates (NI) Ltd Former name
  • Ag Financial Foresight Former trading name
  • Financial Foresight Belgravia Former trading name
  • Financial Foresight JMS Former trading name
  • JMS Financial Planning 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.
  • 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 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
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
NI053639
Company status
Active
Company type
Private limited company
Incorporated
19 January 2005 (21 years old)
Registered office
25 Finnebrogue Road, Downpatrick, County Down, BT30 9AB
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Matthew Smyth Director Jun 1962 19 Jan 2005 10 other companies
Caroline Mary Bernadette Smyth Director Jun 1968 30 Dec 2011 2 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
10
closed down
4
is FCA-registered
1

In the full report: all 10 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 one on the FCA register
  • The 2 companies these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£257k

−7.9% from £279k

Employees (average)

3

−50% from 6

Owed within a year

£370

−99% from £35.0k

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 NI053639. 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

Financial Foresight (NI)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (28)

2021

19 November 2021

  • Caroline Mary Bernadette Smyth became a part-owner (25–50% of shares)

Companies House

2017

19 January 2017

  • James Matthew Smyth took control (75–100% of shares)

Companies House

2014

28 November 2014

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

6 November 2006

  • Changed its registered name from "Belgravia Associates (NI) Ltd"

FCA register

2005

10 October 2005

  • Regulated by the Financial Market Authority from this date
  • Regulated by the Financial Services Authority from this date
  • No longer regulated by the Financial Market Authority
  • Became authorised by the FCA

FCA register

19 January 2005

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (10 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Financial Foresight (NI)

Other FCA-listed firms that share a director, phone number or address with Financial Foresight (NI). 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 Financial Foresight (NI)

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

In Downpatrick

Joanne SmythDownpatrickAppointed representativeMcGrady Financial Services LimitedDownpatrickAppointed representative

In the Belfast (BT) postcode area

A.B.M. ConsultancyCraigavonAuthorisedAKFP LtdLisburnAuthorisedAlan Reid Financial Services (Ni) LimitedDromoreAuthorisedAndrew Clements Partnership LtdBelfastAuthorised

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 Financial Foresight (NI)

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 28 events in its history

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Frequently asked questions about this firm

Is Financial Foresight (NI) Limited FCA authorised?
Yes, Financial Foresight (NI) Limited (FRN 434724) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2005 and works as a financial adviser. The FCA has placed a limit on what it may do.
What is Financial Foresight (NI)’s phone number and website?
The FCA register lists the phone number 028 4461 7575 and the website financialforesight.co.uk for Financial Foresight (NI). If you were given different contact details, use these to check with the firm before going any further.
Is Financial Foresight (NI) a scam or clone?
Financial Foresight (NI) 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 Financial Foresight (NI)?
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 Financial Foresight (NI) to the Financial Ombudsman Service, free of charge.
Who owns Financial Foresight (NI)?
Companies House lists 2 people with significant control of Financial Foresight (NI): Mr James Matthew Smyth (75–100% of shares) and Mrs Caroline Mary Bernadette Smyth (25–50% of shares).
Who runs Financial Foresight (NI)?
Companies House lists 2 directors of Financial Foresight (NI): James Matthew Smyth and Caroline Mary Bernadette Smyth.
How long has Financial Foresight (NI) been in business?
The company was formed on 19 January 2005, and has held its current FCA authorisation since October 2005.
What do Financial Foresight (NI)’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £257k (−7.9% from £279k).
Does Financial Foresight (NI) use any other names?
It has previously used 5 other names, including Belgravia Associates (NI) Ltd, Ag Financial Foresight and Financial Foresight Belgravia.

Sources and links

The full report on Financial Foresight (NI) Limited

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