Financially Prudent (IFA) Limited

Reference number: 489834

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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 finpru.com first appeared online, and whether it can receive email
  • What kind of line 01525 220480 is
  • Who else gives the postcode LU6 2JF
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Other names (2)

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

  • Financially Prudent (IFA) Ltd Former name
  • Financially Prudent (Independent Financial Advisors) Limited Former 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 · Arrange equity release 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 (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • 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) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • 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
04402053
Company status
Active
Company type
Private limited company
Incorporated
22 March 2002 (24 years old)
Registered office
23 The Green, Edlesborough, Dunstable, Bedfordshire, LU6 2JF
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Anthony Storer Pearce Director Nov 1970 22 Mar 2002 None
Deborah Jayne Pearce Secretary Not published 22 Mar 2002 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Total equity

£101k

+2.4% from £98.3k

Employees (average)

2

Same as 2

Owed within a year

£7,318

−8.4% from £7,987

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 04402053. 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

Financially Prudent (IFA)’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2025

26 March 2025

  • Changed its registered name from "Financially Prudent (Independent Financial Advisors) Limited"

FCA register

2020

21 December 2020

  • Changed its registered name from "Financially Prudent (IFA) Ltd"

FCA register

2016

6 April 2016

  • Paul Anthony Storer Pearce took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

2 January 2009

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

FCA register

2002

22 March 2002

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Financially Prudent (IFA)

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

In Dunstable

Toddington Independent Financial Advice LtdDunstableAuthorisedJamie PondDunstableAppointed representativeKS Financial Advisers LimitedDunstableAppointed representativeStoten Gillam LimitedDunstableAppointed 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 Financially Prudent (IFA)

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Financially Prudent (IFA) Limited FCA authorised?
Yes, Financially Prudent (IFA) Limited (FRN 489834) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2009 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Financially Prudent (IFA)’s phone number and website?
The FCA register lists the phone number 01525 220480 and the website finpru.com for Financially Prudent (IFA). If you were given different contact details, use these to check with the firm before going any further.
Is Financially Prudent (IFA) a scam or clone?
Financially Prudent (IFA) 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 Financially Prudent (IFA)?
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 Financially Prudent (IFA) to the Financial Ombudsman Service, free of charge.
Who owns Financially Prudent (IFA)?
Companies House lists one person with significant control of Financially Prudent (IFA): Mr Paul Anthony Storer Pearce (75–100% of shares).
Who runs Financially Prudent (IFA)?
Companies House lists one director of Financially Prudent (IFA): Paul Anthony Storer Pearce.
How long has Financially Prudent (IFA) been in business?
The company was formed on 22 March 2002, and has held its current FCA authorisation since January 2009.
What do Financially Prudent (IFA)’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £101k (+2.4% from £98.3k).
Does Financially Prudent (IFA) use any other names?
It has previously used 2 other names: Financially Prudent (IFA) Ltd and Financially Prudent (Independent Financial Advisors) Limited.

Sources and links

The full report on Financially Prudent (IFA) Limited

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