Fluent Financial Services Ltd

Reference number: 836811

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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.

Responsible principal firm

Marsha Moore Reference number: 489812 Authorised 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.
  • FLUENT FINANCIAL SERVICES LTD (FRN 836811) is an AR of Marsha Moore (FRN 489812). When you use FLUENT FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from FLUENT 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.

  • No website on the FCA register

  • Phone number

    01604 713906

  • Address

    20-22 Wenlock Road, London, N1 7GU, United Kingdom

In the full report: 2 background checks, 1 thing worth a closer look

  • What kind of line 01604 713906 is, and the other firm that gives it
  • Whether N1 7GU is a shared office: 86 other firms give it
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Marsha Moore, 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, free
    You 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
Company number
11854747
Company status
Active
Company type
Private limited company
Incorporated
1 March 2019 (7 years old)
Registered office
20-22 Wenlock Road, London, N1 7GU, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Barry Simon Director Jul 1968 1 Mar 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2023Micro-entity accountsNot audited

Turnover

£0

Same as £0

Net assets

£1

Down £2 from £3

Employees (average)

1

Same as 1

Owed within a year

£0

Same as £0

Its next accounts are overdue at Companies House.

Turnover

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • Both charts, 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.

Accounts filed at Companies House for company 11854747. 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

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

2024

27 June 2024

  • Changed its registered name from "FLUENT FINANCIAL SERVICES LTD,"

FCA register

2019

18 March 2019

  • Became an appointed representative

FCA register

1 March 2019

  • Incorporated at Companies House
  • Barry Simon gained significant control
  • Marsha Simon became a part-owner (25–50% of shares)
  • Barry Simon appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Fluent Financial Services

Other FCA-listed firms that share a director, phone number or address with Fluent 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

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Fluent Financial Services

Other firms of the same type (insurance broker), nearest first.

In London

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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 Fluent Financial Services

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
  • 2 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Fluent Financial Services Ltd FCA authorised?
Fluent Financial Services Ltd (FRN 836811) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Fluent Financial Services?
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. Fluent Financial Services Ltd (FRN 836811) is an AR of Marsha Moore (FRN 489812). When you use Fluent Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fluent 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.
What is Fluent Financial Services’ phone number?
The FCA register lists the phone number 01604 713906 for Fluent 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 Fluent Financial Services a scam or clone?
Fluent 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 Fluent Financial Services?
Protection works through Marsha Moore, the principal firm responsible for Fluent Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fluent Financial Services?
Companies House lists 2 people with significant control of Fluent Financial Services: Mrs Marsha Simon (25–50% of shares) and Mr Barry Simon (significant influence or control).
Who runs Fluent Financial Services?
Companies House lists one director of Fluent Financial Services: Barry Simon.
How long has Fluent Financial Services been in business?
The company was formed on 1 March 2019.
What do Fluent Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2023, show turnover of £0 (same as £0) and net assets of £1 (down £2 from £3). Its accounts are overdue at Companies House.

Sources and links

The full report on Fluent Financial Services Ltd

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