IBA Wealth Management Ltd

Reference number: 426119

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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.
  • IBA Wealth Management Ltd (FRN 426119) is an AR of Quilter Financial Services Limited (FRN 440703). When you use IBA Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from IBA Wealth Management, 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 ibawm.co.uk first appeared online, and whether it can receive email
  • What kind of line 01553 770111 is
  • Who else gives the postcode PE30 4YR
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Other names (6)

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

  • Key Mortgage Solutions Trading name
  • Mr Mortgage Adviser Trading name
  • Integrated Financial Analysis Ltd Former name
  • Haverhill Financial Services Former trading name
  • IBA Protect Former trading name
  • Mr Mortgage Advisor 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 name
IBA WEALTH MANAGEMENT LIMITED
Company number
05305744
Company status
Active
Company type
Private limited company
Incorporated
6 December 2004 (21 years old)
Registered office
First Floor, Unit 8,, Campbell's Business Park, Campbell Meadow, King's Lynn, Norfolk, PE30 4YR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Darren Carl Cubitt Director Dec 1971 3 Jan 2018 None
Lewis Charles Richardson Director Jun 1991 9 Sep 2024 3 other companies
Trevor John Isaacson Secretary Not published 6 Dec 2004 –

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
3
closed down
1
still active
2

In the full report: all 3 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 6 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

£54.1k

−29% from £75.9k

Cash at bank

£124k

+30% from £95.6k

Employees (average)

8

+33% from 6

Owed within a year

£96.9k

−47% from £183k

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 05305744. 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

IBA Wealth Management’s history from the FCA register and Companies House, newest first.

Key events (11) All events (27)

2024

26 July 2024

  • Barrett And Sainty Investments Ltd stopped being a part-owner
  • Lewis Charles Investments Ltd became a part-owner (25–50% of shares)

Companies House

2020

24 November 2020

  • Darren Carl Cubitt became a part-owner (25–50% of shares)

Companies House

2019

30 April 2019

  • Barrett And Sainty Investments Ltd became a part-owner (25–50% of shares)
  • Robin Sainty stopped being a part-owner
  • Stephen William Barrett stopped being a part-owner

Companies House

2016

6 April 2016

  • Robin Sainty became a part-owner (25–50% of shares)
  • Stephen William Barrett became a part-owner (25–50% of shares)

Companies House

2009

6 May 2009

  • Changed its registered name from "Integrated Financial Analysis Ltd"

FCA register

2005

8 February 2005

  • Became an appointed representative

FCA register

2004

6 December 2004

  • Incorporated at Companies House

Companies House

In the full report: all 27 events

  • All 27 events in its history (11 shown here)
  • Every director appointment and resignation: 8
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Firms like IBA Wealth Management

Other firms of the same type (insurance broker), nearest first.

In King's Lynn

Mr JL & Mrs LM HilesKing's LynnAppointed representativePerigon Re Risk Services LimitedKing's LynnAppointed representativeThe Kings Lynn Mortgage Centre LtdKing's LynnAppointed representativeFoxvale Properties LimitedKing's LynnAppointed representativeJennings Caravan Site LimitedKing's LynnAppointed representativeRounce and Evans Property Management LtdKing's LynnAppointed 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 IBA Wealth Management

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 27 events in its history

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Frequently asked questions about this firm

Is IBA Wealth Management Ltd FCA authorised?
IBA Wealth Management Ltd (FRN 426119) 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 IBA Wealth Management?
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. IBA Wealth Management Ltd (FRN 426119) is an AR of Quilter Financial Services Limited (FRN 440703). When you use IBA Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from IBA Wealth Management, 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 IBA Wealth Management’s phone number and website?
The FCA register lists the phone number 01553 770111 and the website ibawm.co.uk for IBA Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is IBA Wealth Management a scam or clone?
IBA Wealth Management 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 IBA Wealth Management?
Protection works through Quilter Financial Services Limited, the principal firm responsible for IBA Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns IBA Wealth Management?
Companies House lists 2 people with significant control of IBA Wealth Management: Lewis Charles Investments Ltd (25–50% of shares) and Mr Darren Carl Cubitt (25–50% of shares). Before that, it was controlled by Mr Stephen William Barrett, Mr Robin Sainty and Barrett And Sainty Investments Ltd.
Who runs IBA Wealth Management?
Companies House lists 2 directors of IBA Wealth Management: Darren Carl Cubitt and Lewis Charles Richardson.
How long has IBA Wealth Management been in business?
The company was formed on 6 December 2004.
What do IBA Wealth Management’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £54.1k (−29% from £75.9k) and cash at bank of £124k (+30% from £95.6k).
Does IBA Wealth Management use any other names?
It trades as Key Mortgage Solutions and Mr Mortgage Adviser. It has previously used 4 other names, including Integrated Financial Analysis Ltd, Haverhill Financial Services and IBA Protect.

Sources and links

The full report on IBA Wealth Management Ltd

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