Inspirational Financial Management Ltd

Reference number: 223511

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No longer authorised

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Authorisation ended 25 September 2026.

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.

  • No website on the FCA register

  • Last known phone number

    0800 999 1329

  • Last known address

    C/O Zane Collins (IP No. 25952) of Insolvency One Limited, 1 Aire Street, Leeds, West Yorkshire, LS1 4PR, United Kingdom

In the full report: 2 background checks

  • What kind of line 0800 999 1329 is
  • Who else gives the postcode LS1 4PR
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Other names (3)

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

  • IFM Mortgage Solutions Trading name
  • IFM Retirement Solutions Trading name
  • Lifetime Solutions Former trading name

Past FCA permissions and consumer protection

  • The record is closed
    Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

FCA disciplinary action

FCA action

fine
1
most recent
March 2024
  • Fined on 11 March 2024
    The Authority takes this action against IFM for breaches of Principle 3 (Management and Control), Principle 6 (Customers' interests) and Principle 9 (Customers: Relationships of Trust) of the Authority’s Principles for Businesses (the Principles) that occurred between 8 June 2015 and 22 December 2017 (the Relevant Period). The breaches relate to advice provided to customers to transfer out of occupational Defined Benefit Pension Schemes, in particular the British Steel Pension Scheme, into alternative pension arrangements.

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.

Concerns on the company record

  • Companies House records this company in liquidation.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company number
03539537
Company status
Liquidation
Company type
Private limited company
Incorporated
2 April 1998 (28 years old)
Registered office
C/O Insolvency One, 1 Aire Street, Leeds, LS1 4PR
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
William Hofstetter Director Oct 1955 31 Jan 2000 2 other companies
Nigel Pamment Secretary Not published 10 May 2002 –

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
2
closed down
1
still active
1

In the full report: all 2 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 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2022Small company accountsNot audited

Net assets

−£524k

−247% from £358k

Cash at bank

£239k

−30% from £340k

Employees (average)

7

Same as 7

Owed within a year

£1.21m

Up £1.14m from £64.4k

Its next accounts are overdue at Companies House.

Net assets are negative: on its last balance sheet the company owed £524k more than it owned.

Assets and liabilities

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 03539537. 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

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

Key events (7) All events (19)

2026

25 September 2026

  • No longer regulated by the FCA
  • Stopped being authorised by the FCA

FCA register

2024

11 March 2024

  • Fined by the FCA

FCA register

2017

13 March 2017

  • William Hofstetter took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2003

28 July 2003

  • Regulated by the Financial Services Authority from this date

FCA register

1998

2 April 1998

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (7 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Inspirational Financial Management

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

connected firms
2
no longer authorised
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Inspirational Financial Management

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 19 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Inspirational Financial Management Ltd FCA authorised?
No. Inspirational Financial Management Ltd (FRN 223511) is still listed on the FCA register, but the record is closed: no longer authorised.
Is Inspirational Financial Management a scam or clone?
Inspirational Financial Management is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.
Is my money safe with Inspirational Financial Management?
Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with Inspirational Financial Management has no cover, because it is no longer permitted to carry it out.
Who owns Inspirational Financial Management?
Companies House lists one person with significant control of Inspirational Financial Management: Mr William Hofstetter (75–100% of shares).
Who runs Inspirational Financial Management?
Companies House lists one director of Inspirational Financial Management: William Hofstetter.
How long has Inspirational Financial Management been in business?
The company was formed on 2 April 1998. Companies House now lists it as liquidation.
What do Inspirational Financial Management’s latest accounts show?
Its latest accounts, to 31 July 2022, show net assets of −£524k (−247% from £358k) and cash at bank of £239k (−30% from £340k). Its accounts are overdue at Companies House.
Has the FCA taken action against Inspirational Financial Management?
Yes. The FCA register records 1 fine in 2024. The details are in the disciplinary section above, with links to the FCA's notices.
Does Inspirational Financial Management use any other names?
It trades as IFM Mortgage Solutions and IFM Retirement Solutions. It has previously used the name Lifetime Solutions.

Sources and links

The full report on Inspirational Financial Management Ltd

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