Heritage Financial Limited

Reference number: 788285

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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 heritageinvestments.co.uk first appeared online, and whether it can receive email
  • What kind of line 01202 332333 is, and the other firm that gives it
  • Who else gives the postcode BH23 1QL
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Other names (1)

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

  • Heritage Investments Trading name

FCA permissions and consumer protection

  • 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.
  • 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.
  • 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 (8 permissions)
  • 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
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
07103745
Company status
Active
Company type
Private limited company
Incorporated
14 December 2009 (16 years old)
Registered office
The Old House, 24 Bargates, Christchurch, Dorset, BH23 1QL, England
Nature of business
  • Fund management activities (SIC 66300)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Michael Cook Director Sep 1979 14 Dec 2009 2 other companies
John Robert Cooper Director Apr 1971 14 Dec 2009 7 other companies

Other companies run by these 2 directors

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
9
closed down
3
went insolvent
1

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 4 on the FCA register, including one no longer authorised
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£1.57m

+13% from £1.39m

Cash at bank

£804k

−16% from £957k

Owed within a year

£411k

−7.5% from £444k

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.

Accounts filed at Companies House for company 07103745. 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

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

Key events (8) All events (20)

2026

11 September 2026

  • Heritage Financial Group Ltd gave up control
  • Hyacinth Bidco Limited took control (75–100% of shares)

Companies House

2023

9 October 2023

  • Heritage Financial Group Ltd took control (75–100% of shares)

Companies House

2018

5 April 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2017

1 August 2017

  • Keith Alexander Cheshire no longer has significant control

Companies House

2016

6 April 2016

  • Keith Alexander Cheshire gained significant control

Companies House

2009

14 December 2009

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (8 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Heritage Financial

Other FCA-listed firms that share a director, phone number or address with Heritage Financial. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
3
share its phone number
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Heritage Financial

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

In Christchurch

Sierra Asset Management LimitedChristchurchAuthorised

In the Bournemouth (BH) postcode area

Darcey Belle LtdNew MiltonAppointed representativeNicholas JowettPooleAppointed representativeSarah IronsPooleAppointed 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 Heritage Financial

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Heritage Financial Limited FCA authorised?
Yes, Heritage Financial Limited (FRN 788285) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2018 and works as a pension transfer adviser. The FCA has placed no limits on its permissions.
What is Heritage Financial’s phone number and website?
The FCA register lists the phone number 01202 332333 and the website heritageinvestments.co.uk for Heritage Financial. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Heritage Financial a scam or clone?
Heritage 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 Heritage Financial?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Heritage Financial to the Financial Ombudsman Service, free of charge.
Who owns Heritage Financial?
Heritage Financial is owned by Hyacinth Bidco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 11 September 2026. Before that, it was controlled by Heritage Financial Group Ltd and Mr Keith Alexander Cheshire.
Who runs Heritage Financial?
Companies House lists 2 directors of Heritage Financial: Andrew Michael Cook and John Robert Cooper.
How long has Heritage Financial been in business?
The company was formed on 14 December 2009, and has held its current FCA authorisation since April 2018.
What do Heritage Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.57m (+13% from £1.39m) and cash at bank of £804k (−16% from £957k).
Does Heritage Financial use any other names?
It trades as Heritage Investments.

Sources and links

The full report on Heritage Financial Limited

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