Harborne Financial Ltd

Reference number: 741743

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Harborne Financial Ltd (FRN 741743) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Harborne Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harborne Financial, 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

    0121 628 9280

  • Address

    3 Peel Walk, Birmingham, West Midlands, B17 8SR, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 628 9280 is
  • Who else gives the postcode B17 8SR
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Other names (2)

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

  • Harborne Limited Former name
  • Kumar & Co Financial Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
06317240
Company status
Active
Company type
Private limited company
Incorporated
18 July 2007 (19 years old)
Registered office
3 Peel Walk, Birmingham, B17 8SR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Rajesh Kumar-Bhardwaj Director Dec 1977 2 Nov 2007 1 other company
Rajesh Kumar-Bhardwaj Secretary Not published 30 Nov 2009 –

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
closed down
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
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£309

Down £199 from £508

Cash at bank

£3,806

<1% from £3,830

Employees (average)

1

Same as 1

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
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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 06317240. 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

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

Key events (5) All events (10)

2022

13 June 2022

  • Changed its registered name from "Harborne Limited"

FCA register

1 June 2022

  • Changed its registered name from "Kumar & Co Financial Ltd"

FCA register

2016

14 August 2016

  • Rajesh Kumar-Bhardwaj took control (75–100% of shares)

Companies House

24 March 2016

  • Became an appointed representative

FCA register

2007

18 July 2007

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like Harborne Financial

Other firms of the same type (insurance broker), nearest first.

In Birmingham

Perk UK LtdBirminghamAppointed representativeWest Midlands Police FederationBirminghamAppointed representativeAlex WongBirminghamAppointed representativeAlliance Health PMI LimitedBirminghamAppointed representativeAscent Risk Solutions LimitedBirminghamAppointed representativeAyub ManzoorBirminghamAppointed 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 Harborne Financial

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Harborne Financial Ltd FCA authorised?
Harborne Financial Ltd (FRN 741743) 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 Harborne Financial?
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. Harborne Financial Ltd (FRN 741743) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Harborne Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harborne Financial, 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 Harborne Financial’s phone number?
The FCA register lists the phone number 0121 628 9280 for Harborne Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Harborne Financial a scam or clone?
Harborne Financial 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 Harborne Financial?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Harborne Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Harborne Financial?
Companies House lists one person with significant control of Harborne Financial: Mr Rajesh Kumar-Bhardwaj (75–100% of shares).
Who runs Harborne Financial?
Companies House lists one director of Harborne Financial: Rajesh Kumar-Bhardwaj.
How long has Harborne Financial been in business?
The company was formed on 18 July 2007.
What do Harborne Financial’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £309 (down £199 from £508) and cash at bank of £3,806 (<1% from £3,830).
Does Harborne Financial use any other names?
It has previously used 2 other names: Harborne Limited and Kumar & Co Financial Ltd.

Sources and links

The full report on Harborne Financial Ltd

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