Flagstone Financial Management Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 20 years
Your funds are protected by FSCS
No FCA actions
Active company since 2006
Accounts filed up to 31 March 2025
One of its directors is also a director of a firm that is no longer authorised

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.

Website

flagstone.co.uk (opens in a new tab)
Phone number

01245 397474
Address

10 Springfield Lyons Approach, Springfield, Chelmsford, Essex, CM2 5LB, United Kingdom

In the full report: 3 background checks

When flagstone.co.uk first appeared online, and whether it can receive email
What kind of line 01245 397474 is
Who else gives the postcode CM2 5LB

Other names (6)

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

FFM Trading name: A name it trades under now.
Flagstone Trading name: A name it trades under now.
Flagstone Financial Trading name: A name it trades under now.
Beresfords Former trading name: A name it used to trade under.
Beresfords Mortgages Former trading name: A name it used to trade under.
Beresfords Mortgage Services Former trading name: A name it used to trade under.

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 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 (11 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Providing Credit Information Services

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: 05723873 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 28 February 2006 (20 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Lineham	Director	Sep 1963	13 Jun 2007	2 other companies
Mark Lawrinson	Director	Jun 1983	20 Jan 2022	1 other company
James Alexander Hazell	Director	Feb 1984	31 Mar 2026	4 other companies

Other companies run by these 3 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: 6
still active: 5
went insolvent: 1

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
The one that went into liquidation or administration
The 3 on the FCA register, including one no longer authorised
The 1 company these 3 directors run together
All 7 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Full accountsAudited

Net assets

£433k

+42% from £304k

Cash at bank

£682k

+104% from £335k

Owed within a year

£270k

+15% from £234k

Assets and liabilities

In the full report: all 5 years of accounts

Every year from 2021 to 2025
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 05723873. 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

Flagstone Financial Management’s history from the FCA register and Companies House, newest first.

Key events (5) All events (27)

2016

6 April 2016

Beresford Group Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2006

2 October 2006

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

FCA register

28 February 2006

Incorporated at Companies House

Companies House

In the full report: all 27 events

All 27 events in its history (5 shown here)
Every director appointment and resignation: 11

Firms connected to Flagstone Financial Management

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

connected firms: 3
no longer authorised: 1
share a director: 3

In the full report: all 3 connected firms, named

How each is linked: shared directors (3), the same postcode (2)
Who links each one: the named directors, with dates

Firms like Flagstone Financial Management

Other firms of the same type (mortgage adviser or broker), nearest first.

In Chelmsford

Cooke LimitedChelmsfordAuthorised David Lewis Mortgage Services LimitedChelmsfordAuthorised Essex Home Finance LtdChelmsfordAuthorised Fort Advice Bureau LimitedChelmsfordAuthorised JPN Mortgage Solutions LtdChelmsfordAuthorised Mortgage Business Financial Advisers LtdChelmsfordAuthorised

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 Flagstone Financial Management

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

6 other companies its directors have run, named
3 background checks on its contact details
5 years of accounts, charted
All 27 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Flagstone Financial Management Limited FCA authorised?

Yes, Flagstone Financial Management Limited (FRN 455364) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2006 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Flagstone Financial Management’s phone number and website?

The FCA register lists the phone number 01245 397474 and the website flagstone.co.uk for Flagstone Financial Management. If you were given different contact details, use these to check with the firm before going any further.

Is Flagstone Financial Management a scam or clone?

Flagstone Financial Management 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 Flagstone Financial Management?

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 Flagstone Financial Management to the Financial Ombudsman Service, free of charge.

Who owns Flagstone Financial Management?

Flagstone Financial Management is owned by Beresford Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Flagstone Financial Management?

Companies House lists 3 directors of Flagstone Financial Management: John Lineham, Mark Lawrinson and James Alexander Hazell.

How long has Flagstone Financial Management been in business?

The company was formed on 28 February 2006, and has held its current FCA authorisation since October 2006.

What do Flagstone Financial Management’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £433k (+42% from £304k) and cash at bank of £682k (+104% from £335k).

Does Flagstone Financial Management use any other names?

It trades as FFM, Flagstone and Flagstone Financial. It has previously used 3 other names: Beresfords, Beresfords Mortgages and Beresfords Mortgage Services.