Firmus Financial Services Ltd

Reference number: 585390

Instant download

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, 1 thing worth a closer look

  • When firmusfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01782 343424 is, and the other firm that gives it
  • Who else gives the postcode ST4 3EL
Instant PDF download

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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (16 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
  • Assisting in the administration and performance of a contract of insurance
  • 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 status
Active
Company type
Private limited company
Incorporated
12 June 2012 (14 years old)
Registered office
2 Kingstables Square, Goldenhill Road, Stoke On Trent, ST4 3EL
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Karl John Wood Director May 1968 12 Jun 2012 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
Instant PDF download

Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£86.8k

+11% from £77.8k

Cash at bank

£130k

+6.9% from £122k

Owed within a year

£44.0k

<1% from £44.3k

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
Instant PDF download
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 08101402. 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

Firmus Financial Services’s history from the FCA register and Companies House, newest first.

2018

18 December 2018

  • Bibsea Holdings Limited took control (75–100% of shares)
  • Karl John Wood gave up control

Companies House

2016

6 April 2016

  • Karl John Wood took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2 January 2013

  • Became authorised by the FCA

FCA register

2012

9 August 2012

  • Regulated by the Financial Services Authority from this date

FCA register

12 June 2012

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 1
Instant PDF download

Firms connected to Firmus Financial Services

Other FCA-listed firms that share a director, phone number or address with Firmus Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Firmus Financial Services

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

In Stoke-On-Trent

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 Firmus Financial Services

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, 1 flagged
  • 6 years of accounts, charted
  • All 11 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Firmus Financial Services Ltd FCA authorised?
Yes, Firmus Financial Services Ltd (FRN 585390) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2013 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Firmus Financial Services’ phone number and website?
The FCA register lists the phone number 01782 343424 and the website firmusfs.co.uk for Firmus Financial Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Firmus Financial Services a scam or clone?
Firmus Financial Services 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 Firmus Financial Services?
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 Firmus Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Firmus Financial Services?
Firmus Financial Services is owned by Bibsea Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 18 December 2018. Before that, it was controlled by Mr Karl John Wood.
Who runs Firmus Financial Services?
Companies House lists one director of Firmus Financial Services: Karl John Wood.
How long has Firmus Financial Services been in business?
The company was formed on 12 June 2012, and has held its current FCA authorisation since January 2013.
What do Firmus Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £86.8k (+11% from £77.8k) and cash at bank of £130k (+6.9% from £122k).

Sources and links

The full report on Firmus Financial Services Ltd

£19.99 · Instant PDF download

Loading secure checkout…