Keystone Financial Limited

Reference number: 501917

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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 keystoneltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01743 829097 is
  • Who else gives the postcode S45 8BD
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Other names (28)

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

  • ACJ Financial Planning Trading name
  • Bayliss Wealth Management Trading name
  • Evadon Trading name
  • Financial Advice Boutique Trading name
  • Key2 Financial Trading name
  • Myriad Financial Planning Trading name
  • Prime Time Financial Trading name
  • Rod Burton Financial Management Trading name
  • Scott Ruscoe Financial Goals Trading name
  • Wisepath Financial Planning Trading name
  • Your Perfect Financial Solution Trading name
  • Apple Financial Services Former trading name
  • Bella Rose Financial Planning Former trading name
  • Caberry Financial Planning Former trading name
  • Connell & McFadden Financial Former trading name
  • Elle Wealth Management Former trading name
  • Frank on Finance Former trading name
  • Keystone North West Former trading name
  • Keystone Retirement Solutions Former trading name
  • Mindfulness Financial Planning Former trading name
  • Mortgage Journey Former trading name
  • Mortgage Seekers Former trading name
  • Pillar Box Financial Services Former trading name
  • SBC Financial Former trading name
  • Silverwise Retirement Planning Former trading name
  • Winspear Financial Management Former trading name
  • Wright Financial Planning Former trading name
  • Your Perfect Future Former trading name

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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • 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
06859888
Company status
Active
Company type
Private limited company
Incorporated
26 March 2009 (17 years old)
Registered office
The Old School Rooms, 7 Station Road, Chesterfield, Derbyshire, S45 8BD, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Harriet Anne Mackenzie-Williams Director Dec 1968 26 Mar 2009 None
Dwight Witmer Director Jun 1979 1 Apr 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 5 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£293k

+14% from £258k

Cash at bank

£304k

+8.7% from £279k

Employees (average)

1

Same as 1

Owed within a year

£109k

−4.3% from £114k

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 06859888. 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

Keystone Financial’s history from the FCA register and Companies House, newest first.

Key events (5) All events (63)

2016

6 April 2016

  • Harriet Anne Mackenzie-Williams took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

3 August 2009

  • Became authorised by the FCA

FCA register

2 June 2009

  • Regulated by the Financial Services Authority from this date

FCA register

26 March 2009

  • Incorporated at Companies House

Companies House

In the full report: all 63 events

  • All 63 events in its history (5 shown here)
  • Every director appointment and resignation: 8
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Firms like Keystone Financial

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

In the Sheffield (S) postcode area

Abacus Portfolio Management LimitedSheffieldAuthorisedABM Financial Management LimitedSheffieldAuthorisedAcornmain LimitedWorksopAuthorisedAlan RobinsonSheffieldAuthorisedAlan ThompsonSheffieldAuthorisedAlpha Independent Financial Solutions LimitedChesterfieldAuthorised

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 Keystone Financial

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 63 events in its history

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Frequently asked questions about this firm

Is Keystone Financial Limited FCA authorised?
Yes, Keystone Financial Limited (FRN 501917) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2009 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Keystone Financial’s phone number and website?
The FCA register lists the phone number 01743 829097 and the website keystoneltd.co.uk for Keystone Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Keystone Financial a scam or clone?
Keystone Financial 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 Keystone Financial?
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 Keystone Financial to the Financial Ombudsman Service, free of charge.
Who owns Keystone Financial?
Companies House lists one person with significant control of Keystone Financial: Mrs Harriet Anne Mackenzie-Williams (75–100% of shares).
Who runs Keystone Financial?
Companies House lists 2 directors of Keystone Financial: Harriet Anne Mackenzie-Williams and Dwight Witmer.
How long has Keystone Financial been in business?
The company was formed on 26 March 2009, and has held its current FCA authorisation since August 2009.
What do Keystone Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £293k (+14% from £258k) and cash at bank of £304k (+8.7% from £279k).
Does Keystone Financial use any other names?
It trades as ACJ Financial Planning, Bayliss Wealth Management, Evadon, Financial Advice Boutique and Key2 Financial, and 6 more names. It has previously used 17 other names, including Apple Financial Services, Bella Rose Financial Planning and Caberry Financial Planning.

Sources and links

The full report on Keystone Financial Limited

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