Integer Financial Management Limited

Reference number: 431522

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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.

  • No website on the FCA register

  • Phone number

    07801 526216

  • Address

    Roe Hill, High Bridge, Dalston, Carlisle, Cumberland, CA5 7DR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07801 526216 is
  • Who else gives the postcode CA5 7DR
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
03775754
Company status
Active
Company type
Private limited company
Incorporated
24 May 1999 (27 years old)
Registered office
18 Greenfield Avenue, Urmston, Manchester, M41 0XN, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Joseph Peter Willows Director Nov 1966 24 May 1999 1 other company
Julie Christine Willows Director Jan 1966 24 May 1999 None
Julie Christine Willows Secretary Not published 24 May 1999 None

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, 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
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Net assets

£54.2k

−44% from £96.0k

Cash at bank

£112k

−25% from £149k

Owed within a year

£59.0k

+17% from £50.4k

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.

Accounts filed at Companies House for company 03775754. 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

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

Key events (6) All events (11)

2016

25 May 2016

  • Joseph Peter Willows took control (75–100% of shares)
  • Julie Christine Willows gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

31 May 2005

  • Became authorised by the FCA

FCA register

16 May 2005

  • Regulated by the Financial Services Authority from this date

FCA register

1999

24 May 1999

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Integer Financial Management

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Integer Financial Management

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

In Carlisle

Arc Eden LimitedCarlisleAuthorisedArmstrong Watson Financial Planning LtdCarlisleAuthorisedDavid Allen Financial Services (Dalston) LimitedCarlisleAuthorisedDW 2020 LimitedCarlisleAuthorisedInvestacc LimitedCarlisleAuthorisedAlke Capital Partners LimitedCarlisleAppointed 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 Integer Financial Management

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Integer Financial Management Limited FCA authorised?
Yes, Integer Financial Management Limited (FRN 431522) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Integer Financial Management’s phone number?
The FCA register lists the phone number 07801 526216 for Integer Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Integer Financial Management a scam or clone?
Integer 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 Integer Financial Management?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Integer Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Integer Financial Management?
Companies House lists 2 people with significant control of Integer Financial Management: Mr Joseph Peter Willows (75–100% of shares) and Mrs Julie Christine Willows (significant influence or control).
Who runs Integer Financial Management?
Companies House lists 2 directors of Integer Financial Management: Joseph Peter Willows and Julie Christine Willows.
How long has Integer Financial Management been in business?
The company was formed on 24 May 1999, and has held its current FCA authorisation since May 2005.
What do Integer Financial Management’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £54.2k (−44% from £96.0k) and cash at bank of £112k (−25% from £149k).

Sources and links

The full report on Integer Financial Management Limited

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