Four Oaks Financial Services Limited
Reference number: 616095
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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.
- Appointed for 12 years
- Protected through the principal
- No FCA actions
- Active company since 2003
- Accounts filed up to 31 December 2025
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 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.
- Four Oaks Financial Services Limited (FRN 616095) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Four Oaks Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Four Oaks 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
168 Birmingham Road, Shenstone Wood End, Lichfield, Staffordshire, WS14 0NX, United Kingdom
In the full report: 3 background checks
- When fouroaksfs.com first appeared online, and whether it can receive email
- What kind of line 0121 323 2070 is
- Who else gives the postcode WS14 0NX
Other names (2)
If you were contacted under any of these names, it is this firm.
- Southall Harries Former trading name: A name it used to trade under.
- Southall Harries Financial Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter Financial Services 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, 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
- 04814506 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 June 2003 (23 years old)
- Registered office
- 168 Birmingham Road, Shenstone Wood End, Lichfield, WS14 0NX, England
- Nature of business
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- Life insurance (SIC 65110)
- Non-life insurance (SIC 65120)
- Pension funding (SIC 65300)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Martin Leslie Ward | Director | Aug 1961 | 30 Jun 2003 | 4 other companies |
| Fiona Mary Ward | Director | Oct 1963 | 1 Jan 2012 | None |
| Steven John Tamplin | Director | Jun 1973 | 10 Apr 2019 | 6 other companies |
| Fiona Mary Ward | Secretary | Not published | 30 Jun 2003 | – |
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
- 9
- closed down
- 4
- run together
- 1
In the full report: all 9 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£384k
+15% from £334k
Cash at bank
£104k
+62% from £64.4k
Employees (average)
21
+11% from 19
Owed within a year
£348k
−26% from £472k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 04814506. 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
Four Oaks Financial Services’s history from the FCA register and Companies House, newest first.
2016
30 June 2016
- Martin Leslie Ward became a part-owner (25–50% of shares)
Companies House
2014
18 February 2014
- Became an appointed representative
FCA register
2003
30 June 2003
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (3 shown here)
- Every director appointment and resignation: 3
Firms like Four Oaks Financial Services
Other firms of the same type (financial adviser), nearest first.
In Lichfield
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 Four Oaks Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 9 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
Is Four Oaks Financial Services Limited FCA authorised?
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How long has Four Oaks Financial Services been in business?
What do Four Oaks Financial Services’ latest accounts show?
Does Four Oaks Financial Services use any other names?
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