Lakeside Financial Services Ltd: FCA regulated?

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 12 years
Protected through the principal
No FCA actions
Active company since 2014
Accounts filed up to 30 June 2025
On its latest accounts it owed £5,696 more than it owned

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.
Lakeside Financial Services Ltd (FRN 646852) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Lakeside Financial Services's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Lakeside Financial Services, 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.

Website

lakesidefinancial.co.uk (opens in a new tab)
Phone number

0121 733 6005
Address

79 Main St, Dickens Heath, Shirley, Solihull, West Midlands, B90 1UB, United Kingdom

In the full report: 3 background checks

When lakesidefinancial.co.uk first appeared online, and whether it can receive email
What kind of line 0121 733 6005 is
Who else gives the postcode B90 1UB

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: LAKESIDE FINANCIAL SERVICES LIMITED
Company number: 09105347 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 June 2014 (12 years old)
Registered office: 4 The Maltings, Earlswood, Solihull, B94 5RU
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Barry Pinner	Director	Oct 1959	27 Jun 2014	None
Andrew Pinner	Director	Sep 1989	1 Jan 2020	1 other company

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 company: 1
still active: 1

In the full report: all 1 company, 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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£5,696

Up £2,419 from −£8,115

Cash at bank

£4,752

−13% from £5,467

Employees (average)

2

Same as 2

Owed within a year

£9,342

+4.5% from £8,943

Net assets are negative: on its last balance sheet the company owed £5,696 more than it owned.

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

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 09105347. 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

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

Key events (4) All events (8)

2016

6 April 2016

Barry Pinner became a part-owner (25–50% of shares)
Karen Susan Pinner became a part-owner (25–50% of shares)

Companies House

2014

17 September 2014

Became an appointed representative

FCA register

27 June 2014

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 4

Firms connected to Lakeside Financial Services

Other FCA-listed firms that share a director, phone number or address with Lakeside 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

Firms like Lakeside Financial Services

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

In Solihull

Adrian WagstaffSolihullAppointed representative AIT Business Solutions LimitedSolihullAppointed representative Andrew LangdellSolihullAppointed representative Andrew MitchellSolihullAppointed representative AW Wealth LtdSolihullAppointed representative Babar HussainSolihullAppointed 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 Lakeside Financial Services

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

1 other company its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 8 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Lakeside Financial Services Ltd FCA authorised?

Lakeside Financial Services Ltd (FRN 646852) 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 Lakeside Financial Services?

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. Lakeside Financial Services Ltd (FRN 646852) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Lakeside Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lakeside Financial Services, 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 Lakeside Financial Services’ phone number and website?

The FCA register lists the phone number 0121 733 6005 and the website lakesidefinancial.co.uk for Lakeside Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Lakeside Financial Services a scam or clone?

Lakeside 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 Lakeside Financial Services?

Protection works through Quilter Financial Services Limited, the principal firm responsible for Lakeside Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Lakeside Financial Services?

Companies House lists 2 people with significant control of Lakeside Financial Services: Mrs Karen Susan Pinner (25–50% of shares) and Mr Barry Pinner (25–50% of shares).

Who runs Lakeside Financial Services?

Companies House lists 2 directors of Lakeside Financial Services: Barry Pinner and Andrew Pinner.

How long has Lakeside Financial Services been in business?

The company was formed on 27 June 2014.

What do Lakeside Financial Services’ latest accounts show?

Its latest accounts, to 30 June 2025, show net assets of −£5,696 (up £2,419 from −£8,115) and cash at bank of £4,752 (−13% from £5,467).