h2o Financial Services Limited

Reference number: 216316

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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.
  • h2o Financial Services Limited (FRN 216316) is an AR of Openwork Limited (FRN 408285). When you use h2o Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from h2o 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.

In the full report: 3 background checks

  • When h2ofinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01702 600713 is
  • Who else gives the postcode SS5 5BB
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Other names (4)

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

  • h2o Financial Trading name
  • H20 Financial Services Limited Former name
  • H20 Financial Services Ltd Former name
  • H20 Professional Financial Planning Ltd 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
04397065
Company status
Active
Company type
Private limited company
Incorporated
18 March 2002 (24 years old)
Registered office
60 Gunners Rise, Shoebury Garrison, Essex, SS3 9BY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil Hurrell Director Sep 1959 30 Oct 2002 None
Richard Michael Hurrell Director Sep 1988 10 Apr 2026 None
Richard Hurrell Secretary Not published 17 Feb 2023 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£591k

+47% from £402k

Cash at bank

£519k

−12% from £593k

Employees (average)

10

+25% from 8

Owed within a year

£558k

−9.2% from £614k

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
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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 04397065. 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

H2o Financial Services’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2016

6 April 2016

  • Michelle Audrey Hurrell became a part-owner (25–50% of shares)
  • Neil Hurrell became the majority owner (50–75% of shares)

Companies House

2015

29 December 2015

  • Changed its registered name from "H20 Financial Services Limited"

FCA register

2007

9 February 2007

  • Changed its registered name from "H20 Financial Services Ltd"

FCA register

2005

1 August 2005

  • Changed its registered name from "H20 Professional Financial Planning Ltd"

FCA register

2002

15 July 2002

  • Became an appointed representative

FCA register

18 March 2002

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms like h2o Financial Services

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

In Hockley

Adrian ForresterHockleyAppointed representativeBarry WilsonHockleyAppointed representativeClive IngramHockleyAuthorisedSharon DeangelisHockleyAuthorised

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 h2o Financial Services

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

  • Every company its directors have run, named
  • 3 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 h2o Financial Services Limited FCA authorised?
h2o Financial Services Limited (FRN 216316) 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 h2o Financial Services?
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. h2o Financial Services Limited (FRN 216316) is an AR of Openwork Limited (FRN 408285). When you use h2o Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from h2o 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.
What is h2o Financial Services’ phone number and website?
The FCA register lists the phone number 01702 600713 and the website h2ofinancial.co.uk for h2o Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is h2o Financial Services a scam or clone?
h2o 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 h2o Financial Services?
Protection works through Openwork Limited, the principal firm responsible for h2o Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns h2o Financial Services?
Companies House lists 2 people with significant control of h2o Financial Services: Mr Neil Hurrell (50–75% of shares) and Mrs Michelle Audrey Hurrell (25–50% of shares).
Who runs h2o Financial Services?
Companies House lists 2 directors of h2o Financial Services: Neil Hurrell and Richard Michael Hurrell.
How long has h2o Financial Services been in business?
The company was formed on 18 March 2002.
What do h2o Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £591k (+47% from £402k) and cash at bank of £519k (−12% from £593k).
Does h2o Financial Services use any other names?
It trades as h2o Financial. It has previously used 3 other names: H20 Financial Services Limited, H20 Financial Services Ltd and H20 Professional Financial Planning Ltd.

Sources and links

The full report on h2o Financial Services Limited

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