Firmitas Financial Services Limited
Reference number: 724293
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 10 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 31 March 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.
- Firmitas Financial Services Limited (FRN 724293) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Firmitas Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Firmitas Financial Services, 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
16-18 Barnes Wallis Road, Fareham, Hampshire, PO15 5TT, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When luma-financial.co.uk first appeared online, and whether it can receive email
- What kind of line 01489 346450 is
- Who else gives the postcode PO15 5TT
Other names (5)
If you were contacted under any of these names, it is this firm.
- Luma Financial Planning Trading name: A name it trades under now.
- Firmitas Financial Services Ltd Former name: A name it was registered under before.
- Simply Wealth AM Limited Former name: A name it was registered under before.
- Simply Wealth AM Ltd Former name: A name it was registered under before.
- Firmitas Former trading name: A name it used to trade under.
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
- 09525692 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 2 April 2015 (11 years old)
- Registered office
- 3 Acorn Business Centre Northarbour Road, Cosham, Portsmouth, Hampshire, PO6 3TH, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Benjamin Daniel Larkin | Director | Feb 1979 | 2 Apr 2015 | 17 other companies |
| Peter Williams | Director | Nov 1979 | 2 Apr 2015 | 14 other companies |
| Steven John Davies | Director | Oct 1974 | 30 Oct 2015 | 3 other companies |
| Tevfik Edin | Director | Mar 1983 | 16 Jun 2020 | 2 other companies |
Other companies run by these 4 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
- 19
- closed down
- 12
- are FCA-registered
- 3
In the full report: all 19 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register
- The 13 companies these 4 directors run together
Filed accounts and finances
Net assets
£936k
+40% from £669k
Cash at bank
£338k
+57% from £215k
Owed within a year
£1.17m
+38% from £853k
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.
Accounts filed at Companies House for company 09525692. 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
Firmitas Financial Services’s history from the FCA register and Companies House, newest first.
2025
3 September 2025
- Changed its registered name from "Firmitas Financial Services Ltd"
FCA register
2018
30 April 2018
- Benjamin Daniel Larkin stopped being a part-owner
- Peter Williams stopped being a part-owner
Companies House
2017
12 December 2017
- Changed its registered name from "Simply Wealth AM Limited"
FCA register
2016
6 April 2016
- Benjamin Daniel Larkin became a part-owner (25–50% of shares)
- Peter Williams became a part-owner (25–50% of shares)
Companies House
14 January 2016
- Changed its registered name from "Simply Wealth AM Ltd"
FCA register
2015
3 November 2015
- Became an appointed representative
FCA register
2 April 2015
- Incorporated at Companies House
Companies House
In the full report: all 16 events
- All 16 events in its history (9 shown here)
- Every director appointment and resignation: 4
Firms connected to Firmitas Financial Services
Other FCA-listed firms that share a director, phone number or address with Firmitas Financial Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
- 2 past links through former directors
Firms like Firmitas Financial Services
Other firms of the same type (financial adviser), nearest first.
In Fareham
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 Firmitas Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 19 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 16 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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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