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.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 March 2026
- On its latest accounts it owed £84.2k more than it owned
Responsible principal firm
ValidPath Limited Reference number: 197107 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.
- JOYFUL WEALTH LTD (FRN 998562) is an AR of ValidPath Limited (FRN 197107). When you use JOYFUL WEALTH's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from JOYFUL WEALTH, 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.
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No website on the FCA register
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Phone number
-
Address
320 London Road, Hazel Grove, Stockport, Stockport, SK7 4RF, United Kingdom
In the full report: 2 background checks
- What kind of line 07572 957278 is
- Who else gives the postcode SK7 4RF
FCA permissions and consumer protection
- Protection through the principal firmProtection works through ValidPath 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, freeYou 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 number
- 14698928 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 March 2023 (3 years old)
- Registered office
- 320 London Road, Hazel Grove, Stockport, SK7 4RF, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Joanne Wall | Director | Jun 1994 | 1 Mar 2023 | None |
| Sophie Victoria Smith | Director | Sep 1993 | 1 Nov 2025 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Total equity
−£84.2k
Down £27.4k from −£56.8k
Employees (average)
2
+100% from 1
Owed within a year
£91.0k
+63% from £55.9k
Total equity is negative: on its last balance sheet the company owed £84.2k 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 14698928. 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
Joyful Wealth’s history from the FCA register and Companies House, newest first.
2025
1 November 2025
- Sophie Victoria Smith appointed as a director
Companies House
2023
24 June 2023
- Became an appointed representative
FCA register
1 March 2023
- Incorporated at Companies House
- Joanne Wall took control (75–100% of shares)
- Joanne Wall appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Joyful Wealth
Other FCA-listed firms that share a director, phone number or address with Joyful Wealth. 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
Firms like Joyful Wealth
Other firms of the same type (financial adviser), nearest first.
In Stockport
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 Joyful Wealth
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Joyful Wealth’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk