HL Financial Consultants Ltd
Reference number: 514732
Instant download
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.
- Appointed for 16 years
- Protected through the principal
- No FCA actions
- Active company since 2009
- Accounts filed up to 31 December 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 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.
- HL Financial Consultants Ltd (FRN 514732) is an AR of Quilter Financial Services Limited (FRN 440703). When you use HL Financial Consultants's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from HL Financial Consultants, 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.
-
Phone number
-
Address
373 Evesham Road, Redditch, Worcestershire, B97 5JA, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When hlcmortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 01527 540654 is
- Who else gives the postcode B97 5JA
Other names (6)
If you were contacted under any of these names, it is this firm.
- HLC Trading name: A name it trades under now.
- HLC Equity Release Trading name: A name it trades under now.
- HLC Mortgages Trading name: A name it trades under now.
- HL Consulting Trading name: A name it trades under now.
- Arden Investments Ltd Former name: A name it was registered under before.
- HLC Wealth Management Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 07061354 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 October 2009 (16 years old)
- Registered office
- 373 Evesham Road, Redditch, B97 5JA
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rajvinder Kaur Randhawa | Director | Feb 1981 | 13 Sep 2017 | 16 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
- 16
- closed down
- 4
- still active
- 12
In the full report: all 16 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£215k
+153% from £85.1k
Cash at bank
£109k
+316% from £26.3k
Owed within a year
£181k
−5.9% from £192k
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
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 07061354. 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
HL Financial Consultants’s history from the FCA register and Companies House, newest first.
2023
11 August 2023
- Daryl Wayne Lay no longer has significant control
Companies House
2018
30 October 2018
- Arden Estates Midlands Ltd took control (50–75% of shares)
Companies House
2016
30 October 2016
- Daryl Wayne Lay gained significant control
Companies House
2010
27 October 2010
- Changed its registered name from "Arden Investments Ltd"
FCA register
2009
16 December 2009
- Became an appointed representative
FCA register
30 October 2009
- Incorporated at Companies House
Companies House
In the full report: all 17 events
- All 17 events in its history (6 shown here)
- Every director appointment and resignation: 5
Firms connected to HL Financial Consultants
Other FCA-listed firms that share a director, phone number or address with HL Financial Consultants. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like HL Financial Consultants
Other firms of the same type (financial adviser), nearest first.
In Redditch
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 HL Financial Consultants
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 16 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 17 events in its history
- 1 connected firm, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is HL Financial Consultants Ltd FCA authorised?
What does appointed representative mean for HL Financial Consultants?
What is HL Financial Consultants’ phone number and website?
Is HL Financial Consultants a scam or clone?
Is my money safe with HL Financial Consultants?
Who owns HL Financial Consultants?
Who runs HL Financial Consultants?
How long has HL Financial Consultants been in business?
What do HL Financial Consultants’ latest accounts show?
Does HL Financial Consultants use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk