Foremost Financial Ltd

Reference number: 1007704

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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

HL Partnership Limited Reference number: 303397 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.
  • Foremost Financial Ltd (FRN 1007704) is an AR of HL Partnership Limited (FRN 303397). When you use Foremost Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Foremost Financial, 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

    07590 689560

  • Address

    79 Waverley Road, Benfleet, Essex, SS7 4AX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07590 689560 is
  • Who else gives the postcode SS7 4AX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership Limited, 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.

Company number
14783543
Company status
Active
Company type
Private limited company
Incorporated
5 April 2023 (3 years old)
Registered office
555-557 Cranbrook Road, Gants Hill, Ilford, Essex, IG2 6HE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Derren John Ashby Director Dec 1973 5 Apr 2023 5 other companies

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
5
closed down
3
still active
2

In the full report: all 5 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
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

−£9,425

No earlier figure to compare

Owed within a year

£27.3k

+28% from £21.4k

Net assets are negative: on its last balance sheet the company owed £9,425 more than it owned.

Assets and liabilities

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 14783543. 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

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

2025

26 September 2025

  • Began trading as "Foremost Financial"

FCA register

2024

8 February 2024

  • Became an appointed representative

FCA register

2023

5 April 2023

  • Incorporated at Companies House
  • Apfs Holdings Ltd took control (75–100% of shares)
  • Derren John Ashby appointed as a director

Companies House

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

Firms like Foremost Financial

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

In Benfleet

Ab Specialist Finance LtdBenfleetAppointed representativeAMS Financial Services LimitedBenfleetAppointed representativeAshley Bennett Mortgages LtdBenfleetAppointed representativeEssex Mortgage and Protection Services LtdBenfleetAppointed representativeFrank StoneBenfleetAppointed representativeFusion Mortgages LtdBenfleetAppointed representative

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 Foremost Financial

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

  • 5 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 5 events in its history

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Frequently asked questions about this firm

Is Foremost Financial Ltd FCA authorised?
Foremost Financial Ltd (FRN 1007704) 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 Foremost Financial?
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. Foremost Financial Ltd (FRN 1007704) is an AR of HL Partnership Limited (FRN 303397). When you use Foremost Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Foremost Financial, 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 Foremost Financial’s phone number?
The FCA register lists the phone number 07590 689560 for Foremost Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Foremost Financial a scam or clone?
Foremost Financial 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 Foremost Financial?
Protection works through HL Partnership Limited, the principal firm responsible for Foremost Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Foremost Financial?
Foremost Financial is owned by Apfs Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 5 April 2023.
Who runs Foremost Financial?
Companies House lists one director of Foremost Financial: Derren John Ashby.
How long has Foremost Financial been in business?
The company was formed on 5 April 2023.
What do Foremost Financial’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of −£9,425 (no earlier figure to compare).

Sources and links

The full report on Foremost Financial Ltd

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