iPensions Group Limited

Reference number: 464521

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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 ipensionsgroup.com first appeared online, and whether it can receive email
  • What kind of line 0161 972 2840 is
  • Who else gives the postcode M33 6HE
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Other names (4)

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

  • iSIPP Trading name
  • Calderwood Pensions Limited Former name
  • Momentum Pensions Limited Former name
  • Scott Lang Personal Pension Trustees Limited Former name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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 (4 permissions)
  • Arranging (bringing about) deals in investments
  • Dealing in investments as principal
  • Establishing/operating/winding up a personal pension scheme
  • 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
03683070
Company status
Active
Company type
Private limited company
Incorporated
14 December 1998 (27 years old)
Registered office
2nd Floor Marshall House, 2 Park Avenue, Sale, M33 6HE, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Craig Douglas Cheyne Director Feb 1970 27 Mar 2018 5 other companies
Hrishikesh Mahesh Kulkarni Director Aug 1976 3 Oct 2018 3 other companies
Sandra Hilary Bernadette Robertson Director Apr 1969 18 May 2020 10 other companies
Heather Mccallion Secretary Not published 27 Mar 2018 –

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
15
closed down
8
went insolvent
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 2 on the FCA register, including one no longer authorised
  • The 3 companies these 3 directors run together
  • All 13 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£3.57m

+11% from £3.21m

Cash at bank

£5.45m

+10% from £4.95m

Employees (average)

42

No earlier figure to compare

Owed within a year

£1.67m

−3.2% from £1.72m

The accounts for the year to 31 December 2025 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £649k, for the year to 31 December 2023.

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 03683070. 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

IPensions Group’s history from the FCA register and Companies House, newest first.

Key events (12) All events (36)

2020

23 July 2020

  • Changed its registered name from "Momentum Pensions Limited"

FCA register

2018

22 February 2018

  • Arq Group Limited stopped being a part-owner
  • Iwealth Holdings Limited took control (75–100% of shares)
  • Mark John Gaywood stopped being the majority owner

Companies House

2016

6 April 2016

  • Arq Group Limited became a part-owner (25–50% of shares)
  • Mark John Gaywood became the majority owner (50–75% of shares)

Companies House

2014

20 October 2014

  • Changed its registered name from "Calderwood Pensions Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

5 March 2010

  • Changed its registered name from "Scott Lang Personal Pension Trustees Limited"

FCA register

2007

8 June 2007

  • Regulated by the Financial Services Authority from this date

FCA register

6 April 2007

  • Became authorised by the FCA

FCA register

1998

14 December 1998

  • Incorporated at Companies House

Companies House

In the full report: all 36 events

  • All 36 events in its history (12 shown here)
  • Every director appointment and resignation: 21
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Firms connected to iPensions Group

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

connected firms
5
share a director
1
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (1), the same postcode (5)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Get the full report on iPensions Group

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 36 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is iPensions Group Limited FCA authorised?
Yes, iPensions Group Limited (FRN 464521) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2007. The FCA has placed no limits on its permissions.
What is iPensions Group’s phone number and website?
The FCA register lists the phone number 0161 972 2840 and the website ipensionsgroup.com for iPensions Group. If you were given different contact details, use these to check with the firm before going any further.
Is iPensions Group a scam or clone?
iPensions Group 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 iPensions Group?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about iPensions Group to the Financial Ombudsman Service, free of charge.
Who owns iPensions Group?
iPensions Group is owned by Iwealth Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 22 February 2018. Before that, it was controlled by Mr Mark John Gaywood and Arq Group Limited.
Who runs iPensions Group?
Companies House lists 3 directors of iPensions Group: Craig Douglas Cheyne, Hrishikesh Mahesh Kulkarni and Sandra Hilary Bernadette Robertson.
How long has iPensions Group been in business?
The company was formed on 14 December 1998, and has held its current FCA authorisation since April 2007.
What do iPensions Group’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £3.57m (+11% from £3.21m) and cash at bank of £5.45m (+10% from £4.95m).
Does iPensions Group use any other names?
It trades as iSIPP. It has previously used 3 other names: Calderwood Pensions Limited, Momentum Pensions Limited and Scott Lang Personal Pension Trustees Limited.

Sources and links

The full report on iPensions Group Limited

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