John Joseph Financial Services Limited

Reference number: 116018

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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 jjfs.com first appeared online, and whether it can receive email
  • What kind of line 020 8953 6677 is
  • Who else gives the postcode WD23 3HH
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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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

FCA action

fine
1
in fines
£20.0k
most recent
September 2015
  • Fined £20,000 on 30 September 2015
    The Financial Conduct Authority (the FCA) issued a Final Notice against John Joseph Financial Services Limited (JJFS ) of Elstree House Elstree Way Borehamwood Hertfordshire WD6 1SD on 30 September 2015 which imposed a financial penalty of £20,000 in respect of breaches of Principle 9 during the period between August 2005 and June 2006 and November to December 2008 arising from its sales of Keydata life settlement products. JJFS failed, in breach of Principle 9 and certain rules of COB and COBS, to take reasonable care to ensure the suitability of its advice for any customer who was entitled to rely upon its judgment in relation to sales of the Keydata Products, in that it failed to properly disclose to customers the risks arising from lack of diversification of investments in their investment portfolio, failed to assess adequately the needs and circumstances of customers, and their appetite for risk, and failed to disclose adequately all material risks of the Keydata Products.  JJFS also failed, in breach of certain rules of SYSC, to take reasonable care to establish and maintain effective systems and controls for compliance with applicable standards and requirements of the regulatory system. JJFS did not take reasonable care to create and retain records of matters and dealings which were the subject of requirements and standards under the regulatory system and its method of monitoring and reviewing its Keydata Product sales process was inadequate.

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
01799986
Company status
Active
Company type
Private limited company
Incorporated
14 March 1984 (42 years old)
Registered office
Heronslea House, High Street, Bushey, WD23 3HH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jimmie Alexander Samuel Joseph Director Sep 1985 2 Oct 2018 2 other companies
John Graham Joseph Director Jun 1946 Not published 3 other companies
Sandra Joseph Secretary Not published 13 Sep 2002 –

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 companies
4
still active
4
run together
1

In the full report: all 4 companies, 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 1 company these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£57.4k

−37% from £91.8k

Cash at bank

£17.9k

+77% from £10.1k

Employees (average)

8

Same as 8

Owed within a year

£45.7k

+76% from £26.0k

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 01799986. 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

John Joseph Financial Services’s history from the FCA register and Companies House, newest first.

Key events (7) All events (16)

2016

6 April 2016

  • John Graham Joseph took control (75–100% of shares)

Companies House

2015

30 September 2015

  • Fined £20,000 by the FCA

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1997

10 March 1997

  • Regulated by the Personal Investment Authority from this date

FCA register

1984

14 March 1984

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 5
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Firms connected to John Joseph Financial Services

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like John Joseph Financial Services

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

In Bushey

Covenham Financial Services LimitedBusheyAuthorisedHyfi Private Wealth LimitedBusheyAuthorisedHaydon Hill Advisors LimitedBusheyAppointed 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 John Joseph Financial Services

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is John Joseph Financial Services Limited FCA authorised?
Yes, John Joseph Financial Services Limited (FRN 116018) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is John Joseph Financial Services’ phone number and website?
The FCA register lists the phone number 020 8953 6677 and the website jjfs.com for John Joseph Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is John Joseph Financial Services a scam or clone?
John Joseph Financial 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 John Joseph Financial Services?
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 John Joseph Financial Services to the Financial Ombudsman Service, free of charge.
Who owns John Joseph Financial Services?
Companies House lists one person with significant control of John Joseph Financial Services: Mr John Graham Joseph (75–100% of shares).
Who runs John Joseph Financial Services?
Companies House lists 2 directors of John Joseph Financial Services: Jimmie Alexander Samuel Joseph and John Graham Joseph.
How long has John Joseph Financial Services been in business?
The company was formed on 14 March 1984, and has held its current FCA authorisation since December 2001.
What do John Joseph Financial Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £57.4k (−37% from £91.8k) and cash at bank of £17.9k (+77% from £10.1k).
Has the FCA taken action against John Joseph Financial Services?
Yes. The FCA register records 1 fine in 2015, £20,000 in total. The details are in the disciplinary section above, with links to the FCA's notices.

Sources and links

The full report on John Joseph Financial Services Limited

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