FPM Advice Centre Limited

Reference number: 783811

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Authorised by the FCA

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

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.

In the full report: 3 background checks

  • When fpmac.co.uk first appeared online, and whether it can receive email
  • What kind of line 01925 240020 is
  • Who else gives the postcode WA8 9FD
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Other names (1)

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

  • Positive Lifestyle Rewards Former trading name

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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages · Arrange equity release 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 (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
10727295
Company status
Active
Company type
Private limited company
Incorporated
18 April 2017 (9 years old)
Registered office
46 Kemberton Drive, Widnes, WA8 9FD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Susan Marie Barlow Director Jan 1962 18 Apr 2017 None
Mark Ryan Director Feb 1964 18 Apr 2017 1 other company

Other companies run by these 2 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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit 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 2026Small company accountsNot audited

Total equity

£146k

<1% from £146k

Cash at bank

£141k

<1% from £140k

Employees (average)

2

−33% from 3

Owed within a year

£5,310

−62% from £13.8k

Total equity

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • The chart, 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10727295. Figures are exactly as filed; nothing is estimated.

Key dates in its history

FPM Advice Centre’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2017

9 October 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

18 April 2017

  • Incorporated at Companies House
  • Mark Ryan took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like FPM Advice Centre

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

In Widnes

Cornerstone Asset Finance LimitedWidnesAppointed representativeJames Anthony AubreyWidnesAppointed representativeMcCaffrey Mortgages LimitedWidnesAppointed representativeMulti Broker LtdWidnesAppointed representativeDigital Service Cover LimitedWidnesAuthorised

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 FPM Advice Centre

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
  • 8 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is FPM Advice Centre Limited FCA authorised?
Yes, FPM Advice Centre Limited (FRN 783811) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is FPM Advice Centre’s phone number and website?
The FCA register lists the phone number 01925 240020 and the website fpmac.co.uk for FPM Advice Centre. If you were given different contact details, use these to check with the firm before going any further.
Is FPM Advice Centre a scam or clone?
FPM Advice Centre 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 FPM Advice Centre?
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 FPM Advice Centre to the Financial Ombudsman Service, free of charge.
Who owns FPM Advice Centre?
Companies House lists one person with significant control of FPM Advice Centre: Mr Mark Ryan (75–100% of shares).
Who runs FPM Advice Centre?
Companies House lists 2 directors of FPM Advice Centre: Susan Marie Barlow and Mark Ryan.
How long has FPM Advice Centre been in business?
The company was formed on 18 April 2017, and has held its current FCA authorisation since October 2017.
What do FPM Advice Centre’s latest accounts show?
Its latest accounts, to 30 April 2026, show total equity of £146k (<1% from £146k) and cash at bank of £141k (<1% from £140k).
Does FPM Advice Centre use any other names?
It has previously used the name Positive Lifestyle Rewards.

Sources and links

The full report on FPM Advice Centre Limited

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