K.I.S.S. Financial Management Ltd

Reference number: 569531

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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.
  • K.I.S.S. Financial Management Ltd (FRN 569531) is an AR of Quilter Financial Services Limited (FRN 440703). When you use K.I.S.S. Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from K.I.S.S. Financial Management, 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.

  • No website on the FCA register

  • Phone number

    01375 394150

  • Address

    6 Freshwell Gardens, West Horndon, Brentwood, Essex, CM13 3NG, United Kingdom

In the full report: 2 background checks

  • What kind of line 01375 394150 is
  • Who else gives the postcode CM13 3NG
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Other names (5)

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

  • Special Mortgage Solutions Trading name
  • K.I.S.S Mortgages Former trading name
  • Mortgage-Declined.co.uk Former trading name
  • MortgageDeclined.SOLUTIONS Former trading name
  • Mortgages by K.I.S.S 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 number
07811585
Company status
Active
Company type
Private limited company
Incorporated
17 October 2011 (15 years old)
Registered office
167-169 Great Portland Street, London, W1W 5PF, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Davey Rowland Director Dec 1955 20 Jan 2020 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Total equity

£37.2k

+52% from £24.4k

Employees (average)

1

Same as 1

Owed within a year

£6,812

−66% from £20.1k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 07811585. 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

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

Key events (5) All events (23)

2025

16 October 2025

  • Changed its registered name from "K.I.S.S Financial Management Ltd"

FCA register

2020

20 January 2020

  • Board replaced: both directors left and a new director took over

Companies House

2016

6 April 2016

  • Kevin Davey Rowland took control (75–100% of shares)

Companies House

2011

23 November 2011

  • Became an appointed representative

FCA register

17 October 2011

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like K.I.S.S. Financial Management

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

In Brentwood

Balancepath Financial Planning LtdBrentwoodAppointed representativeBraybrook & CoBrentwoodAppointed representativeFairfield St George Wealth Management LtdBrentwoodAppointed representativeLivian Wealth LimitedBrentwoodAppointed representativeMartin HannushBrentwoodAppointed representativeMJS Financial Planning LtdBrentwoodAppointed 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 K.I.S.S. Financial Management

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
  • 6 years of accounts, charted
  • All 23 events in its history

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Frequently asked questions about this firm

Is K.I.S.S. Financial Management Ltd FCA authorised?
K.I.S.S. Financial Management Ltd (FRN 569531) 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 K.I.S.S. Financial Management?
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. K.I.S.S. Financial Management Ltd (FRN 569531) is an AR of Quilter Financial Services Limited (FRN 440703). When you use K.I.S.S. Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from K.I.S.S. Financial Management, 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 K.I.S.S. Financial Management’s phone number?
The FCA register lists the phone number 01375 394150 for K.I.S.S. Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is K.I.S.S. Financial Management a scam or clone?
K.I.S.S. 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 K.I.S.S. Financial Management?
Protection works through Quilter Financial Services Limited, the principal firm responsible for K.I.S.S. Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns K.I.S.S. Financial Management?
Companies House lists one person with significant control of K.I.S.S. Financial Management: Mr Kevin Davey Rowland (75–100% of shares).
Who runs K.I.S.S. Financial Management?
Companies House lists one director of K.I.S.S. Financial Management: Kevin Davey Rowland.
How long has K.I.S.S. Financial Management been in business?
The company was formed on 17 October 2011.
What do K.I.S.S. Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £37.2k (+52% from £24.4k).
Does K.I.S.S. Financial Management use any other names?
It trades as Special Mortgage Solutions. It has previously used 4 other names, including K.I.S.S Mortgages, Mortgage-Declined.co.uk and MortgageDeclined.SOLUTIONS.

Sources and links

The full report on K.I.S.S. Financial Management Ltd

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