Hills Financial Limited

Reference number: 767668

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Hills Financial Limited (FRN 767668) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Hills Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Hills 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, 1 thing worth a closer look

  • When keepstead.co.uk first appeared online, and whether it can receive email
  • What kind of line 01204 328758 is, and the other firm that gives it
  • Who else gives the postcode M30 0SS
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Other names (3)

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

  • Keepstead Money Trading name
  • Hills Financial Ltd Former name
  • Keepstead Mortgage and Protection Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
10313188
Company status
Active
Company type
Private limited company
Incorporated
4 August 2016 (10 years old)
Registered office
Sentinel House Albert Street, Eccles, Manchester, M30 0SS, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Lewis Dowling Director Sep 1972 4 Aug 2016 4 other companies
Martin John Hill Director Apr 1982 4 Aug 2016 8 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
12
closed down
2
still active
10

In the full report: all 12 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£53.4k

+34% from £39.8k

Cash at bank

£64.4k

+56% from £41.4k

Employees (average)

2

−33% from 3

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 10313188. 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

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

Key events (5) All events (14)

2023

14 July 2023

  • Changed its registered name from "Hills Financial Ltd"

FCA register

2016

19 December 2016

  • Became an appointed representative

FCA register

4 August 2016

  • Incorporated at Companies House
  • Martin John Hill became a part-owner (25–50% of shares)
  • Matthew Lewis Dowling became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Hills Financial

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

connected firms
2
share its phone number
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Hills Financial

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

In Manchester

Adeptio Wealth Management LtdManchesterAppointed representativeAJ Barnes Financial Planning LtdManchesterAppointed representativeAJ Brown Financial Planning LtdManchesterAppointed representativeAlexander BartonManchesterAppointed representativeAnderton & Associates Financial Planning LimitedManchesterAppointed representativeAndrew Street Financial ServicesManchesterAppointed 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 Hills Financial

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 14 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Hills Financial Limited FCA authorised?
Hills Financial Limited (FRN 767668) 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 Hills 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. Hills Financial Limited (FRN 767668) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Hills Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Hills 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 Hills Financial’s phone number and website?
The FCA register lists the phone number 01204 328758 and the website keepstead.co.uk for Hills 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 Hills Financial a scam or clone?
Hills 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 Hills Financial?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Hills Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Hills Financial?
Companies House lists 2 people with significant control of Hills Financial: Martin John Hill (25–50% of shares) and Mr Matthew Lewis Dowling (25–50% of shares).
Who runs Hills Financial?
Companies House lists 2 directors of Hills Financial: Matthew Lewis Dowling and Martin John Hill.
How long has Hills Financial been in business?
The company was formed on 4 August 2016.
What do Hills Financial’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £53.4k (+34% from £39.8k) and cash at bank of £64.4k (+56% from £41.4k).
Does Hills Financial use any other names?
It trades as Keepstead Money. It has previously used 2 other names: Hills Financial Ltd and Keepstead Mortgage and Protection.

Sources and links

The full report on Hills Financial Limited

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