Four Stages Finance Limited
Reference number: 736876
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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 10 years
- Protected through the principal
- No FCA actions
- Active company since 2010
- Accounts filed up to 31 July 2025
- On its latest accounts it owed £340k more than it owned
- 1 thing worth a closer look in the background checks
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 Stages Finance Limited (FRN 736876) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Four Stages Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Four Stages Finance, 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
4 Regent Street, Teignmouth, Devon, TQ14 8SW, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When fourstagesfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 01626 771199 is
- Who else gives the postcode TQ14 8SW
Other names (1)
If you were contacted under any of these names, it is this firm.
- Officium Finance Limited Former name: A name it was registered under before.
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
- 07306487 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 July 2010 (16 years old)
- Registered office
- 4 Regent Street, Teignmouth, Devon, TQ14 8SW, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Spencer John Cole | Director | Jul 1984 | 7 Jul 2010 | 1 other company |
| Tammy Marie Page | Secretary | Not published | 21 Mar 2025 | – |
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
- still active
- 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
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£340k
−184% from £402k
Cash at bank
£228k
+81% from £126k
Employees (average)
18
+5.9% from 17
Owed within a year
£453k
+431% from £85.4k
Net assets are negative: on its last balance sheet the company owed £340k more than it owned.
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 07306487. 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 Stages Finance’s history from the FCA register and Companies House, newest first.
2025
21 March 2025
- Simon John Cole stopped being a part-owner
Companies House
2016
7 July 2016
- Simon John Cole became a part-owner (25–50% of shares)
- Spencer John Cole took control (75–100% of shares)
Companies House
25 February 2016
- Changed its registered name from "Officium Finance Limited"
FCA register
16 February 2016
- Became an appointed representative
FCA register
2010
7 July 2010
- Incorporated at Companies House
Companies House
In the full report: all 9 events
- All 9 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms like Four Stages Finance
Other firms of the same type (financial adviser), nearest first.
In Teignmouth
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 Stages Finance
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
- 7 years of accounts, charted
- All 9 events in its history
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Frequently asked questions about this firm
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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