Fine Plan Ltd
Reference number: 478242
Instant download
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.
- Appointed for 18 years
- Protected through the principal
- No FCA actions
- Active company since 2007
- Accounts filed up to 31 January 2026
- 1 thing worth a closer look in the background checks
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Fine Plan Ltd (FRN 478242) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Fine Plan's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Fine Plan, 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.
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Phone number
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Address
3 Queens Gate, Aberdeen, Aberdeenshire, AB15 5YL, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When partnership.sjp.co.uk first appeared online, and whether it can receive email
- What kind of line 07966 296141 is
- Who else gives the postcode AB15 5YL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, 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, freeYou 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
- SC332571 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 October 2007 (19 years old)
- Registered office
- 42 Queens Road, Aberdeen, AB15 4YE, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Margaret Swanston Houlihan | Director | Mar 1951 | 18 Oct 2007 | 2 other companies |
| Michael James Houlihan | Secretary | Not published | 18 Oct 2007 | – |
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 companies
- 2
- closed down
- 1
- still active
- 1
In the full report: all 2 companies, 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 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£80
−100% from £40.4k
Cash at bank
£7,533
−58% from £18.1k
Employees (average)
1
Same as 1
Owed within a year
£7,858
−44% from £14.0k
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
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 SC332571. 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
Fine Plan’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Margaret Swanston Houlihan took control (75–100% of shares)
Companies House
2008
29 January 2008
- Became an appointed representative
FCA register
2007
18 October 2007
- Incorporated at Companies House
- Margaret Swanston Houlihan appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Fine Plan
Other firms of the same type (financial adviser), nearest first.
In Aberdeen
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 Fine Plan
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 4 events in its history
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Frequently asked questions about this firm
Is Fine Plan Ltd FCA authorised?
What does appointed representative mean for Fine Plan?
What is Fine Plan’s phone number and website?
Is Fine Plan a scam or clone?
Is my money safe with Fine Plan?
Who owns Fine Plan?
Who runs Fine Plan?
How long has Fine Plan been in business?
What do Fine Plan’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk