Jacob James Group Ltd

Reference number: 788614

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Jacob James Group Ltd (FRN 788614) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Jacob James Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Jacob James Group, 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 lilactreefinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01684 561901 is
  • Who else gives the postcode WR14 2AJ
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Other names (7)

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

  • Lilac Tree Trading name
  • Lilac Tree Financial Trading name
  • Jacob James Financial Services Ltd Former name
  • Lilac Tree Financial Ltd Former name
  • Forest Oak Financial Former trading name
  • Lilac Tree Mortgages Former trading name
  • Your Mortgage Manager Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 name
JACOB JAMES GROUP LIMITED
Company number
10915183
Company status
Active
Company type
Private limited company
Incorporated
14 August 2017 (9 years old)
Registered office
6 Link Way, Howsell Road, Malvern, Worcestershire, WR14 1UQ, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark James Vening Director Jul 1980 14 Aug 2017 2 other companies

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
is FCA-registered
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
  • The one on the FCA register
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£1,435

−88% from £11.9k

Employees (average)

3

+50% from 2

Owed within a year

£40.1k

+19% from £33.6k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10915183. 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

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

Key events (7) All events (18)

2019

19 March 2019

  • Changed its registered name from "Jacob James Financial Services Ltd"

FCA register

20 February 2019

  • Changed its registered name from "Jacob James Group Ltd"

FCA register

30 January 2019

  • Changed its registered name from "Lilac Tree Financial Ltd"

FCA register

2017

11 September 2017

  • Became an appointed representative

FCA register

14 August 2017

  • Incorporated at Companies House
  • Charlotte Vening became a part-owner (25–50% of shares)
  • Mark James Vening became a part-owner (25–50% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Jacob James Group

Other FCA-listed firms that share a director, phone number or address with Jacob James Group. 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 Jacob James Group

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

In Malvern

Abacus Research LLPMalvernAppointed representativeFresh Approach Financial Planning LimitedMalvernAppointed representativeKendall Wadley Wealth LimitedMalvernAppointed representativeMalvern Financial Planning LimitedMalvernAppointed representativeMercia Capital Partners LtdMAlvernAppointed representativeSean Jones Wealth Management LimitedMalvernAppointed 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 Jacob James Group

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 18 events in its history

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Frequently asked questions about this firm

Is Jacob James Group Ltd FCA authorised?
Jacob James Group Ltd (FRN 788614) 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 Jacob James Group?
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. Jacob James Group Ltd (FRN 788614) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Jacob James Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Jacob James Group, 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 Jacob James Group’s phone number and website?
The FCA register lists the phone number 01684 561901 and the website lilactreefinancial.co.uk for Jacob James Group. If you were given different contact details, use these to check with the firm before going any further.
Is Jacob James Group a scam or clone?
Jacob James 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 Jacob James Group?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Jacob James Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Jacob James Group?
Companies House lists 2 people with significant control of Jacob James Group: Mrs Charlotte Vening (25–50% of shares) and Mr Mark James Vening (25–50% of shares).
Who runs Jacob James Group?
Companies House lists one director of Jacob James Group: Mark James Vening.
How long has Jacob James Group been in business?
The company was formed on 14 August 2017.
What do Jacob James Group’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1,435 (−88% from £11.9k).
Does Jacob James Group use any other names?
It trades as Lilac Tree and Lilac Tree Financial. It has previously used 5 other names, including Jacob James Financial Services Ltd, Lilac Tree Financial Ltd and Forest Oak Financial.

Sources and links

The full report on Jacob James Group Ltd

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