Gem & Co Financial Services Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 4 years
Your funds are protected by FSCS
No FCA actions
Active company since 2021
Accounts filed up to 31 March 2025
Its whole board of directors changed in April 2026

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.

Website

gemfs.co.uk (opens in a new tab)
Phone number

020 8543 0111
Address

Gem & Co Financial Services Ltd, Tuition House, 27-37 St. Georges Road, London, SW19 4EU, United Kingdom

In the full report: 3 background checks

When gemfs.co.uk first appeared online, and whether it can receive email
What kind of line 020 8543 0111 is
Who else gives the postcode SW19 4EU

Other names (2)

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

GEM & Co Wealth Management Trading name: A name it trades under now.
Gem & Co Financial Services Ltd Former name: A name it was registered under before.

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.
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 (13 permissions)

Advising on a home reversion plan
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising 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
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: 13249508 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 March 2021 (5 years old)
Registered office: Sky View, Argosy Road East Midlands Airport, Castle Donington, Derby, DE74 2SA, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Simon Atkins	Director	Oct 1975	30 Apr 2026	40 other companies
Adrian Paul Cheatham	Director	Oct 1971	30 Apr 2026	34 other companies
David John Kendrick	Director	Jan 1982	30 Apr 2026	17 other companies
Eamon James Nolan	Director	Oct 1969	30 Apr 2026	2 other companies
James David Parnell	Director	Jan 1978	30 Apr 2026	34 other companies
Gareth Cornelius Bryan Rees	Director	Jul 1970	30 Apr 2026	3 other companies
Elliott Charles Swatton	Director	May 1978	30 Apr 2026	2 other companies

Other companies run by these 7 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: 74
closed down: 20
went insolvent: 1

In the full report: all 74 companies, named

What each company does, and whether it is still trading
Which of these 7 directors sit on each board, and since when
The one that went into liquidation or administration
The 2 on the FCA register
The 33 companies these 7 directors run together
All 10 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£421k

+28% from £328k

Cash at bank

£222k

−1.2% from £225k

Employees (average)

15

+15% from 13

Owed within a year

£333k

+21% from £276k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 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 13249508. 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

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

Key events (13) All events (36)

2026

30 April 2026

Board replaced: all 3 directors left and 4 new directors took over
Eamon James Nolan no longer has significant control
Elliott Charles Swatton no longer has significant control
Gareth Cornelius Bryan Rees no longer has significant control

Companies House

2022

24 June 2022

Changed its registered name from "Gem & Co Financial Services Ltd"

FCA register

2021

1 November 2021

Regulated by the FCA from this date
Changed its registered name from "Gem & Co Financial Services Limited"
Became authorised by the FCA

FCA register

8 March 2021

Incorporated at Companies House
4th Floor Financial Ltd took control (75–100% of shares)
Eamon James Nolan gained significant control
Elliott Charles Swatton gained significant control
Gareth Cornelius Bryan Rees gained significant control

Companies House

In the full report: all 36 events

All 36 events in its history (13 shown here)
Every director appointment and resignation: 19

Firms connected to Gem & Co Financial Services

Other FCA-listed firms that share a director, phone number or address with Gem & Co Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 5
share a director: 2
share its postcode: 3

In the full report: all 5 connected firms, named

How each is linked: shared directors (2), the same postcode (3)
Who links each one: the named directors, with dates

Firms like Gem & Co Financial Services

Other firms of the same type (financial adviser), nearest first.

In London

Ernst & Young LLPLondonAuthorised Gallagher (Administration & Investment) LimitedLondonAuthorised Gallagher Risk & Reward LimitedLondonAuthorised Kroll Securities LtdLondonAuthorised Cambridge Mercantile Risk Management (UK) LtdLondonAuthorised Capita Pension Solutions LimitedLondonAuthorised

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 Gem & Co Financial Services

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

74 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 36 events in its history
5 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Gem & Co Financial Services Limited FCA authorised?

Yes, Gem & Co Financial Services Limited (FRN 949148) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2021 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Gem & Co Financial Services’ phone number and website?

The FCA register lists the phone number 020 8543 0111 and the website gemfs.co.uk for Gem & Co Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Gem & Co Financial Services a scam or clone?

Gem & Co 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 Gem & Co Financial Services?

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 Gem & Co Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Gem & Co Financial Services?

Gem & Co Financial Services is owned by 4th Floor Financial Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 8 March 2021. Before that, it was controlled by Mr Gareth Cornelius Bryan Rees, Mr Elliott Charles Swatton and Mr Eamon James Nolan.

Who runs Gem & Co Financial Services?

Companies House lists 7 directors of Gem & Co Financial Services: Simon Atkins, Adrian Paul Cheatham, David John Kendrick, Eamon James Nolan, James David Parnell, Gareth Cornelius Bryan Rees and 1 more.

How long has Gem & Co Financial Services been in business?

The company was formed on 8 March 2021, and has held its current FCA authorisation since November 2021.

What do Gem & Co Financial Services’ latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £421k (+28% from £328k) and cash at bank of £222k (−1.2% from £225k).

Does Gem & Co Financial Services use any other names?

It trades as GEM & Co Wealth Management. It has previously used the name Gem & Co Financial Services Ltd.