Independent Funeral Planning Services Ltd

Reference number: 962434

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 the-ifps.co.uk first appeared online, and whether it can receive email
  • What kind of line 01670 730303 is, and the other firm that gives it
  • Who else gives the postcode NE1 6BX
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Other names (2)

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

  • IFPS Trading name
  • The IFPS Trading name

FCA permissions and consumer protection

  • Funeral plans FSCS may apply
    Funeral plans are FSCS protected. If the provider fails, the FSCS can arrange for your plan to be honoured or pay compensation.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Limits on what they may do

  • Trust Withdrawal and Asset Restriction
    Independent Funeral Planning Services Ltd (the “Firm”) applies under section 55L(5)(a) of the Financial Services and Markets Act 2000 (“FSMA”) for the Financial Conduct Authority (the “FCA”) to impose the following requirements (the “Requirements”) on its Part 4A permission in the terms as set out below. Trust Withdrawal Restriction 1. The Firm must not, without the prior written consent of the FCA, make any withdrawals of surpluses from the Relevant Trust, which would otherwise be permitted under FPCOB 3.2.12R. Assets Restriction 2. The Firm must not, without obtaining prior written consent from the FCA, in any way dispose of, withdraw, transfer, deal with or diminish the value of any of its own assets, and any funds it holds for, or to the order of, its customers (whether in the United Kingdom or elsewhere). 3. The assets restriction in paragraph 2 does not apply to monetary payments or the disposal of assets made by the Firm in the ordinary course of business, amounting to no more than £5,000, whether as a single transaction or a combination of related transactions. The following payments shall not be regarded as payments in the ordinary course of business: a. Payments of unusual or significant amounts to the Firm’s controllers, shareholders, directors, officers, employees or any connected persons; b. The making of any capital distribution; c. The making of any gift or loan by the Firm to any party; d. Payments made as part of any financial restructuring or reorganisation of its business (whether share or asset based). 4. The assets restriction in paragraph 2 does not apply to: a. the repayment of any investment made into the Firm by a Relevant Trust; b. usual and proper salary payments made by the Firm; c. payments made into the Relevant Trust; and d. payments of funds to the Firm’s suppliers in the ordinary course of business and in satisfaction of contractual and legal obligations. 5. The Firm will not, without prior written consent from the FCA, accept any further monies from a Relevant Trust and/or enter into any transactions which could have the effect of further increasing a Relevant Trust’s investment into the Firm. Effective Date 6. The Requirements shall take immediate effect and remain in force unless and until they are varied or cancelled by the FCA. Publication 7. The Requirements will be published by the Authority on the Financial Services Register. Definitions ‘Relevant Trust’ means any trust(s) used by the firm to meet its requirements FPCOB 3.1.6R(2).

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
13556844
Company status
Active
Company type
Private limited company
Incorporated
9 August 2021 (5 years old)
Registered office
63, High Bridge, Newcastle Upon Tyne, NE1 6BX, United Kingdom
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Sumantha Abrams Director Dec 1974 9 Aug 2021 1 other company
Richard Perdik Director Aug 1956 9 Aug 2021 7 other companies
Malcolm Charles Stalker Director Feb 1964 9 Aug 2021 6 other companies

Other companies run by these 3 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
13
closed down
5
run together
1

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£217k

−20% from £272k

Cash at bank

£29.0k

+7.1% from £27.0k

Owed within a year

£62.2k

+81% from £34.4k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2021 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.

Accounts filed at Companies House for company 13556844. 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

Independent Funeral Planning Services’s history from the FCA register and Companies House, newest first.

Key events (13) All events (19)

2026

2 February 2026

  • Malcolm Charles Stalker gained 25–50% of the votes
  • The Funeral Trustee Company Limited gave up control

Companies House

2025

10 January 2025

  • FCA imposed a requirement (Trust Withdrawal and Asset Restriction)

FCA register

2023

31 March 2023

  • The Funeral Trustee Company Limited took control (75–100% of shares)

Companies House

2022

7 November 2022

  • Malcolm Charles Stalker stopped being a part-owner
  • Richard Perdik stopped being a part-owner
  • Sumantha Abrams stopped being a part-owner

Companies House

29 July 2022

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2021

9 August 2021

  • Incorporated at Companies House
  • Malcolm Charles Stalker became a part-owner (25–50% of shares)
  • Richard Perdik became a part-owner (25–50% of shares)
  • Sumantha Abrams became a part-owner (25–50% of shares)

Companies House

In the full report: all 19 events

  • All 19 events in its history (13 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Independent Funeral Planning Services

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

connected firm
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Independent Funeral Planning Services

Other firms of the same type (funeral plan provider), nearest first.

Elsewhere in the UK

Co-op Funeral Plans LimitedManchesterAuthorisedCentral England Co-operative Funeral Plans LimitedLichfieldAuthorisedDistinct Funeral Plans LimitedCannockAuthorisedEcclesiastical Planning Services LimitedGloucesterAuthorisedM&F Funeral Services LimitedMusselburghAuthorisedPeter Christopher Freeman and Brigid Mary FreemanHorshamAuthorised

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 Independent Funeral Planning Services

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 19 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Independent Funeral Planning Services Ltd FCA authorised?
Yes, Independent Funeral Planning Services Ltd (FRN 962434) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2022 and works as a funeral plan provider. The FCA has placed a limit on what it may do.
What is Independent Funeral Planning Services’ phone number and website?
The FCA register lists the phone number 01670 730303 and the website the-ifps.co.uk for Independent Funeral Planning Services. 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 Independent Funeral Planning Services a scam or clone?
Independent Funeral Planning Services 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 Independent Funeral Planning Services?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Independent Funeral Planning Services to the Financial Ombudsman Service, free of charge.
Who owns Independent Funeral Planning Services?
Companies House lists one person with significant control of Independent Funeral Planning Services: Mr Malcolm Charles Stalker (25–50% of votes). Before that, it was controlled by Mr Richard Perdik, Sumantha Abrams and The Funeral Trustee Company Limited.
Who runs Independent Funeral Planning Services?
Companies House lists 3 directors of Independent Funeral Planning Services: Sumantha Abrams, Richard Perdik and Malcolm Charles Stalker.
How long has Independent Funeral Planning Services been in business?
The company was formed on 9 August 2021, and has held its current FCA authorisation since July 2022.
What do Independent Funeral Planning Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £217k (−20% from £272k) and cash at bank of £29.0k (+7.1% from £27.0k).
Does Independent Funeral Planning Services use any other names?
It trades as IFPS and The IFPS.

Sources and links

The full report on Independent Funeral Planning Services Ltd

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