Harmer Financial Services Limited

Reference number: 597956

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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

Best Practice IFA Group Limited Reference number: 223112 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.
  • Harmer Financial Services Limited (FRN 597956) is an AR of Best Practice IFA Group Limited (FRN 223112). When you use Harmer Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harmer 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 harmerfsl.co.uk first appeared online, and whether it can receive email
  • What kind of line 01892 459490 is
  • Who else gives the postcode TN4 0BP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Best Practice IFA Group 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
08391960
Company status
Active
Company type
Private limited company
Incorporated
7 February 2013 (13 years old)
Registered office
6 Chestnut Avenue, Tunbridge Wells, Kent, TN4 0BP, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham John Harmer Director Apr 1969 7 Feb 2013 2 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
2
closed down
2

In the full report: all 2 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 March 2025Small company accountsNot audited

Total equity

£369k

−17% from £446k

Cash at bank

£119k

+48% from £80.4k

Employees (average)

1

Same as 1

Owed within a year

£38.1k

+16% from £32.9k

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 08391960. 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

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

2016

6 April 2016

  • Graham John Harmer took control (75–100% of shares)

Companies House

2013

26 March 2013

  • Became an appointed representative

FCA register

7 February 2013

  • Incorporated at Companies House
  • Graham John Harmer appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Harmer Financial Services

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

In Tunbridge Wells

Adam WillingaleTunbridge WellsAppointed representativeAutumn Financial Planning LimitedTunbridge WellsAppointed representativeEnbrook Wealth LimitedTunbridge WellsAppointed representativeEquilibrium Wealth LimitedTunbridge WellsAppointed representativeGareth MunnTunbridge WellsAppointed representativeGreenstone Financial Planning LtdTunbridge WellsAppointed 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 Harmer Financial Services

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is Harmer Financial Services Limited FCA authorised?
Harmer Financial Services Limited (FRN 597956) 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 Harmer 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. Harmer Financial Services Limited (FRN 597956) is an AR of Best Practice IFA Group Limited (FRN 223112). When you use Harmer Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harmer 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 Harmer Financial Services’ phone number and website?
The FCA register lists the phone number 01892 459490 and the website harmerfsl.co.uk for Harmer Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Harmer Financial Services a scam or clone?
Harmer 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 Harmer Financial Services?
Protection works through Best Practice IFA Group Limited, the principal firm responsible for Harmer Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Harmer Financial Services?
Companies House lists one person with significant control of Harmer Financial Services: Mr Graham John Harmer (75–100% of shares).
Who runs Harmer Financial Services?
Companies House lists one director of Harmer Financial Services: Graham John Harmer.
How long has Harmer Financial Services been in business?
The company was formed on 7 February 2013.
What do Harmer Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £369k (−17% from £446k) and cash at bank of £119k (+48% from £80.4k).

Sources and links

The full report on Harmer Financial Services Limited

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