Harding Financial Ltd

Reference number: 555911

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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 hardingfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01483 802010 is
  • Who else gives the postcode GU4 8AE
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Other names (1)

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

  • Harding Hub Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Advise on or arrange mortgages 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 (17 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Arranging safeguarding and administration of assets
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Managing investments
  • Providing basic advice on stakeholder products

Limits on what they may do

  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.

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
07641388
Company status
Active
Company type
Private limited company
Incorporated
20 May 2011 (15 years old)
Registered office
The Estate Yard East Shalford Lane, Shalford, Guildford, GU4 8AE, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)
  • Fund management activities (SIC 66300)

Directors and company secretaries

Name Role Born Appointed Other companies
Alexander William Simpson Director Aug 1986 20 May 2011 5 other companies
Alexander William Simpson Secretary Not published 1 Sep 2011 –

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
5
closed down
3
still active
2

In the full report: all 5 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
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£743k

+20% from £617k

Cash at bank

£44.0k

Up £74.1k from −£30.2k

Employees (average)

27

Same as 27

Assets and liabilities

In the full report: all 8 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 07641388. 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

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

Key events (8) All events (12)

2025

19 September 2025

  • FCA imposed a requirement (May control but not hold client money)

FCA register

2016

1 July 2016

  • Alexander William Simpson gave up control
  • Alexander William Simpson took control (75–100% of shares)

Companies House

6 April 2016

  • Alexander William Simpson took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

3 October 2011

  • Became authorised by the FCA

FCA register

22 July 2011

  • Regulated by the Financial Services Authority from this date

FCA register

20 May 2011

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 1
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Firms like Harding Financial

Other firms of the same type (investment or fund manager), nearest first.

In Guildford

Alto Private Clients LimitedGuildfordAuthorisedSustainable Land Products LimitedGuildfordAuthorisedRavenspoint Capital LimitedGuildfordAppointed representativeSapius Capital LimitedGuildfordAppointed 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 Harding Financial

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

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

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Frequently asked questions about this firm

Is Harding Financial Ltd FCA authorised?
Yes, Harding Financial Ltd (FRN 555911) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2011 and works as an investment or fund manager. The FCA has placed a limit on what it may do.
What is Harding Financial’s phone number and website?
The FCA register lists the phone number 01483 802010 and the website hardingfinancial.co.uk for Harding Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Harding Financial a scam or clone?
Harding 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 Harding Financial?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Harding Financial to the Financial Ombudsman Service, free of charge.
Who owns Harding Financial?
Companies House lists one person with significant control of Harding Financial: Mr Alexander William Simpson (75–100% of shares).
Who runs Harding Financial?
Companies House lists one director of Harding Financial: Alexander William Simpson.
How long has Harding Financial been in business?
The company was formed on 20 May 2011, and has held its current FCA authorisation since October 2011.
What do Harding Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £743k (+20% from £617k) and cash at bank of £44.0k (up £74.1k from −£30.2k).
Does Harding Financial use any other names?
It trades as Harding Hub.

Sources and links

The full report on Harding Financial Ltd

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