Financial Planning Business Limited

Reference number: 598887

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Financial Planning Business Limited (FRN 598887) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Financial Planning Business's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Financial Planning Business, 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 fpbmoney.com first appeared online, and whether it can receive email
  • What kind of line 029 2069 2003 is
  • Who else gives the postcode CF15 8AA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
08103976
Company status
Active
Company type
Private limited company
Incorporated
13 June 2012 (14 years old)
Registered office
First Floor Office 5 Station Road, Radyr, Cardiff, CF15 8AA, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Charles Royal Director May 1966 13 Jun 2012 1 other company
Helena Maddox Director Dec 1981 17 Feb 2020 None

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 company
1
still active
1

In the full report: all 1 company, 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£356k

+12% from £317k

Cash at bank

£8,749

+70% from £5,157

Employees (average)

4

Same as 4

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 08103976. 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 Planning Business’s history from the FCA register and Companies House, newest first.

Key events (9) All events (17)

2018

18 May 2018

  • Hfpb Holdings Limited took control (75–100% of shares)
  • Peter Jones stopped being a part-owner
  • Stephen Charles Royal stopped being a part-owner
  • Stephen David Penny stopped being a part-owner

Companies House

2016

6 April 2016

  • Peter Jones became a part-owner (25–50% of shares)
  • Stephen Charles Royal became a part-owner (25–50% of shares)
  • Stephen David Penny became a part-owner (25–50% of shares)

Companies House

2013

9 April 2013

  • Became an appointed representative

FCA register

2012

13 June 2012

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms like Financial Planning Business

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

In the Cardiff (CF) postcode area

Abram Partnership LtdCardiffAppointed representativeAcura Wealth LtdCowbridgeAppointed representativeAdam Hughes Wealth Management LtdCardiffAppointed representativeAnchorage Wealth & PlanningCowbridgeAppointed representativeAndrew PrattCardiffAppointed representativeAndrew VarleyCardiffAppointed 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 Financial Planning Business

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Financial Planning Business Limited FCA authorised?
Financial Planning Business Limited (FRN 598887) 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 Financial Planning Business?
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. Financial Planning Business Limited (FRN 598887) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Financial Planning Business's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Financial Planning Business, 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 Financial Planning Business’ phone number and website?
The FCA register lists the phone number 029 2069 2003 and the website fpbmoney.com for Financial Planning Business. If you were given different contact details, use these to check with the firm before going any further.
Is Financial Planning Business a scam or clone?
Financial Planning Business 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 Planning Business?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Financial Planning Business's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Financial Planning Business?
Financial Planning Business is owned by Hfpb Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 18 May 2018. Before that, it was controlled by Stephen David Penny, Peter Jones and Mr Stephen Charles Royal.
Who runs Financial Planning Business?
Companies House lists 2 directors of Financial Planning Business: Stephen Charles Royal and Helena Maddox.
How long has Financial Planning Business been in business?
The company was formed on 13 June 2012.
What do Financial Planning Business’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £356k (+12% from £317k) and cash at bank of £8,749 (+70% from £5,157).

Sources and links

The full report on Financial Planning Business Limited

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