IDFM (City) Ltd

Reference number: 466181

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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

ValidPath Limited Reference number: 197107 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.
  • IDFM (City) Ltd (FRN 466181) is an AR of ValidPath Limited (FRN 197107). When you use IDFM (City)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from IDFM (City), 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 idfm.co.uk first appeared online, and whether it can receive email
  • What kind of line 0845 270 6160 is
  • Who else gives the postcode SE1 3GA
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Other names (2)

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

  • Independent Direct Financial Management (City) Ltd Former name
  • idfm intelligent financial solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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
06073612
Company status
Active
Company type
Private limited company
Incorporated
30 January 2007 (19 years old)
Registered office
Unit 4 Cedar Court, 1 Royal Oak Yard, London, SE1 3GA
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)
  • Life reinsurance (SIC 65201)

Directors and company secretaries

Name Role Born Appointed Other companies
Peter Curtis Director Jul 1968 30 Jan 2007 None
Claire Ferris Secretary Not published 28 Sep 2009 –

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 March 2025Small company accountsNot audited

Net assets

£183k

−54% from £396k

Cash at bank

£245k

−27% from £337k

Employees (average)

6

Same as 6

Owed within a year

£69.5k

−4% from £72.4k

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
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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 06073612. 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

IDFM (City)’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2016

6 April 2016

  • Peter Curtis took control (75–100% of shares)

Companies House

2014

7 July 2014

  • Changed its registered name from "Independent Direct Financial Management (City) Ltd"

FCA register

2007

3 April 2007

  • Became an appointed representative

FCA register

30 January 2007

  • Incorporated at Companies House

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like IDFM (City)

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

In London

SIX Financial Information UK LimitedLondonAppointed representativeMagellan Investment Partners (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 IDFM (City)

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 7 events in its history

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Frequently asked questions about this firm

Is IDFM (City) Ltd FCA authorised?
IDFM (City) Ltd (FRN 466181) 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 IDFM (City)?
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. IDFM (City) Ltd (FRN 466181) is an AR of ValidPath Limited (FRN 197107). When you use IDFM (City)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from IDFM (City), 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 IDFM (City)’s phone number and website?
The FCA register lists the phone number 0845 270 6160 and the website idfm.co.uk for IDFM (City). If you were given different contact details, use these to check with the firm before going any further.
Is IDFM (City) a scam or clone?
IDFM (City) 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 IDFM (City)?
Protection works through ValidPath Limited, the principal firm responsible for IDFM (City)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns IDFM (City)?
Companies House lists one person with significant control of IDFM (City): Mr Peter Curtis (75–100% of shares).
Who runs IDFM (City)?
Companies House lists one director of IDFM (City): Peter Curtis.
How long has IDFM (City) been in business?
The company was formed on 30 January 2007.
What do IDFM (City)’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £183k (−54% from £396k) and cash at bank of £245k (−27% from £337k).
Does IDFM (City) use any other names?
It has previously used 2 other names: Independent Direct Financial Management (City) Ltd and idfm intelligent financial solutions.

Sources and links

The full report on IDFM (City) Ltd

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