Illuminate Financial Management Ltd

Reference number: 652957

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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

SUNTERA ADVISERS (UK) LIMITED Reference number: 692447 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.
  • Illuminate Financial Management Ltd (FRN 652957) is an AR of SUNTERA ADVISERS (UK) LIMITED (FRN 692447). When you use Illuminate Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Illuminate Financial 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 illuminatefinancial.com first appeared online, and whether it can receive email
  • What kind of line 020 3198 1600 is
  • Who else gives the postcode EC2A 4PS
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Other names (3)

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

  • Illuminate Financial Trading name
  • Illuminate Financial Management 2 Ltd Former name
  • Illuminate Financial Management LLP Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Suntera Advisers (UK) 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
12839665
Company status
Active
Company type
Private limited company
Incorporated
26 August 2020 (6 years old)
Registered office
404 The Frames Phipp Street, London, EC2A 4PS, United Kingdom
Nature of business
  • Activities of venture and development capital companies (SIC 64303)
  • Fund management activities (SIC 66300)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Ian Beeston Director Aug 1971 26 Aug 2020 20 other companies
Rezso Szabo Director Feb 1986 17 May 2022 4 other companies
Alexander Walter Hugh Ross Director Jan 1988 29 Jun 2022 2 other companies
Timothy James Albert Frost Director Jan 1965 2 Jan 2025 10 other companies
Andrew David Patey Director Apr 1987 2 May 2025 7 other companies

Other companies run by these 5 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
33
closed down
4
are FCA-registered
3

In the full report: all 33 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 8 companies these 5 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

16 months to 31 December 2021Full accountsNot audited

Net assets

£250k

No earlier figure to compare

Cash at bank

£250k

No earlier figure to compare

Employees (average)

0

No earlier figure to compare

Owed within a year

£364

No earlier figure to compare

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 12839665. 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

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

Key events (5) All events (13)

2024

18 April 2024

  • Changed its registered name from "Illuminate Financial Management 2 Ltd"

FCA register

2022

6 February 2022

  • Changed its registered name from "Illuminate Financial Management LLP"

FCA register

2020

26 August 2020

  • Incorporated at Companies House
  • Mark Ian Beeston became the majority owner (50–75% of shares)

Companies House

2014

5 November 2014

  • Became an appointed representative

FCA register

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Illuminate Financial Management

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

connected firms
3
share a director
1
share its postcode
2

In the full report: all 3 connected firms, named

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

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 Illuminate Financial Management

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

  • 33 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 13 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Illuminate Financial Management Ltd FCA authorised?
Illuminate Financial Management Ltd (FRN 652957) 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 Illuminate Financial 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. Illuminate Financial Management Ltd (FRN 652957) is an AR of SUNTERA ADVISERS (UK) LIMITED (FRN 692447). When you use Illuminate Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Illuminate Financial 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 Illuminate Financial Management’s phone number and website?
The FCA register lists the phone number 020 3198 1600 and the website illuminatefinancial.com for Illuminate Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Illuminate Financial Management a scam or clone?
Illuminate Financial 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 Illuminate Financial Management?
Protection works through Suntera Advisers (UK) Limited, the principal firm responsible for Illuminate Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Illuminate Financial Management?
Companies House lists one person with significant control of Illuminate Financial Management: Mr Mark Ian Beeston (50–75% of shares).
Who runs Illuminate Financial Management?
Companies House lists 5 directors of Illuminate Financial Management: Mark Ian Beeston, Rezso Szabo, Alexander Walter Hugh Ross, Timothy James Albert Frost and Andrew David Patey.
How long has Illuminate Financial Management been in business?
The company was formed on 26 August 2020.
What do Illuminate Financial Management’s latest accounts show?
Its latest accounts, to 31 December 2021, show net assets of £250k (no earlier figure to compare) and cash at bank of £250k (no earlier figure to compare).
Does Illuminate Financial Management use any other names?
It trades as Illuminate Financial. It has previously used 2 other names: Illuminate Financial Management 2 Ltd and Illuminate Financial Management LLP.

Sources and links

The full report on Illuminate Financial Management Ltd

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