Harmoney Financial Limited

Reference number: 968884

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Harmoney Financial Limited (FRN 968884) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Harmoney Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harmoney 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.

In the full report: 3 background checks

  • When harmoneyfinancialpartners.co.uk first appeared online, and whether it can receive email
  • What kind of line 07557 117327 is
  • Who else gives the postcode SN5 6AL
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Other names (2)

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

  • Harmoney Financial Partners Trading name
  • Harmoney Financial Partners Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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 name
HARMONEY FINANCIAL LTD
Company number
12373661
Company status
Active
Company type
Private limited company
Incorporated
20 December 2019 (6 years old)
Registered office
Delta 606 Delta Office Park, Welton Road, Swindon, SN5 7XF, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Hazel Ruth Platt Director Oct 1974 20 Dec 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£52.8k

Down £22.5k from −£30.3k

Employees (average)

2

Same as 2

Owed within a year

£52.7k

+80% from £29.2k

Net assets are negative: on its last balance sheet the company owed £52.8k more than it owned.

Net assets

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 12373661. 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

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

Key events (5) All events (11)

2022

19 June 2022

  • Changed its registered name from "Harmoney Financial Partners Limited"

FCA register

30 January 2022

  • Became an appointed representative

FCA register

2019

20 December 2019

  • Incorporated at Companies House
  • Hazel Ruth Platt became the majority owner (50–75% of shares)
  • Kevin Christopher Turner became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Harmoney Financial

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

In Swindon

Advice on Wealth LtdSwindonAppointed representativeAnnika GrizzellSwindonAppointed representativeAssured Wealth Management LimitedSwindonAppointed representativeCarter Moore Financial Advice and Wealth Management LtdSwindonAppointed representativeChris PughSwindonAppointed representativeClifford Wealth Management LimitedSwindonAppointed 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 Harmoney Financial

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 11 events in its history

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Frequently asked questions about this firm

Is Harmoney Financial Limited FCA authorised?
Harmoney Financial Limited (FRN 968884) 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 Harmoney 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. Harmoney Financial Limited (FRN 968884) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Harmoney Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harmoney 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 Harmoney Financial’s phone number and website?
The FCA register lists the phone number 07557 117327 and the website harmoneyfinancialpartners.co.uk for Harmoney Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Harmoney Financial a scam or clone?
Harmoney 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 Harmoney Financial?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Harmoney Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Harmoney Financial?
Companies House lists 2 people with significant control of Harmoney Financial: Miss Hazel Ruth Platt (50–75% of shares) and Kevin Christopher Turner (25–50% of shares).
Who runs Harmoney Financial?
Companies House lists one director of Harmoney Financial: Hazel Ruth Platt.
How long has Harmoney Financial been in business?
The company was formed on 20 December 2019.
What do Harmoney Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£52.8k (down £22.5k from −£30.3k).
Does Harmoney Financial use any other names?
It trades as Harmoney Financial Partners. It has previously used the name Harmoney Financial Partners Limited.

Sources and links

The full report on Harmoney Financial Limited

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