Gem FS Limited

Reference number: 190285

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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

Openwork Limited Reference number: 408285 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.
  • Gem FS Limited (FRN 190285) is an AR of Openwork Limited (FRN 408285). When you use Gem FS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Gem FS, 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

    01980 670403

  • Address

    4 The Bluestone Centre, Sun Rise Way, Amesbury, Salisbury, Wiltshire, SP4 7YR, United Kingdom

In the full report: 2 background checks

  • What kind of line 01980 670403 is
  • Who else gives the postcode SP4 7YR
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Other names (2)

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

  • Donald Kim Robertson Former name
  • GEM Financial Services Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
08500714
Company status
Active
Company type
Private limited company
Incorporated
23 April 2013 (13 years old)
Registered office
Windover House, St Ann Street, Salisbury, Wiltshire, SP1 2DR
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Donald Kim Robertson Director Aug 1959 23 Apr 2013 3 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
3
closed down
1
still active
2

In the full report: all 3 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£65.6k

−43% from £114k

Cash at bank

£30.4k

−38% from £49.2k

Employees (average)

3

+50% from 2

Owed within a year

£68.5k

+9.2% from £62.7k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 08500714. 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 FS’s history from the FCA register and Companies House, newest first.

Key events (5) All events (12)

2016

6 April 2016

  • Donald Kim Robertson took control (75–100% of shares)

Companies House

2014

5 March 2014

  • Changed its registered name from "Donald Kim Robertson"

FCA register

2013

23 April 2013

  • Incorporated at Companies House

Companies House

2006

24 November 2006

  • Changed its registered name from "GEM Financial Services"

FCA register

1999

14 June 1999

  • Became an appointed representative

FCA register

In the full report: all 12 events

  • All 12 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like Gem FS

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

In Salisbury

4 Pillars Financial Planning LtdSalisburyAppointed representativeAndrea SmithSalisburyAppointed representativeApicem Consulting LTDSalisburyAppointed representativeDominic BattySalisburyAppointed representativeGrovely Financial LimitedSalisburyAppointed representativeLee PerkesSalisburyAppointed 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 Gem FS

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Gem FS Limited FCA authorised?
Gem FS Limited (FRN 190285) 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 Gem FS?
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. Gem FS Limited (FRN 190285) is an AR of Openwork Limited (FRN 408285). When you use Gem FS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gem FS, 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 Gem FS’ phone number?
The FCA register lists the phone number 01980 670403 for Gem FS. If you were given different contact details, use these to check with the firm before going any further.
Is Gem FS a scam or clone?
Gem FS 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 FS?
Protection works through Openwork Limited, the principal firm responsible for Gem FS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Gem FS?
Companies House lists one person with significant control of Gem FS: Mr Donald Kim Robertson (75–100% of shares).
Who runs Gem FS?
Companies House lists one director of Gem FS: Donald Kim Robertson.
How long has Gem FS been in business?
The company was formed on 23 April 2013.
What do Gem FS’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £65.6k (−43% from £114k) and cash at bank of £30.4k (−38% from £49.2k).
Does Gem FS use any other names?
It has previously used 2 other names: Donald Kim Robertson and GEM Financial Services.

Sources and links

The full report on Gem FS Limited

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