Lane Financial Management Limited

Reference number: 438355

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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 lane.fm first appeared online, and whether it can receive email
  • What kind of line 023 9283 0640 is
  • Who else gives the postcode PO16 8AB
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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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • 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
  • 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
04252588
Company status
Active
Company type
Private limited company
Incorporated
16 July 2001 (25 years old)
Registered office
1 Portchester Rise, Eastleigh, SO50 4QS, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Carl Patrick Rivers Director Mar 1972 19 May 2004 1 other company
James Rivers Director Aug 1998 1 Feb 2021 None
Shelley Marie Rivers Secretary Not published 29 Feb 2024 –

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
closed down
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 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2026Small company accountsNot audited

Net assets

£261k

+32% from £198k

Cash at bank

£341k

+27% from £269k

Employees (average)

5

+25% from 4

Owed within a year

£123k

+12% from £110k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 04252588. 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

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

Key events (10) All events (30)

2025

16 April 2025

  • Shelley Rivers became a part-owner (25–50% of shares)

Companies House

2022

31 August 2022

  • David Lane stopped being a part-owner

Companies House

2018

10 December 2018

  • Alison Louise Lawley stopped being a part-owner

Companies House

2016

15 July 2016

  • Alison Louise Lawley became a part-owner (25–50% of shares)
  • Carl Patrick Rivers became the majority owner (50–75% of shares)
  • David Lane became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

5 January 2006

  • Regulated by the Financial Services Authority from this date

FCA register

4 January 2006

  • Became authorised by the FCA

FCA register

2001

16 July 2001

  • Incorporated at Companies House

Companies House

In the full report: all 30 events

  • All 30 events in its history (10 shown here)
  • Every director appointment and resignation: 16
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Firms connected to Lane Financial Management

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Lane Financial Management

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

In Fareham

Bespoke Wealth LimitedFarehamAuthorisedCooper Maverick LLPFarehamAuthorisedDavid Winter Independent Financial Advisers LimitedFarehamAuthorisedDeep Blue Financial LimitedFarehamAuthorisedGarwood Wealth Management LimitedFarehamAuthorisedGreenspace Sustainable Financial Planning LtdFarehamAuthorised

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 Lane Financial Management

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
  • 7 years of accounts, charted
  • All 30 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lane Financial Management Limited FCA authorised?
Yes, Lane Financial Management Limited (FRN 438355) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2006 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Lane Financial Management’s phone number and website?
The FCA register lists the phone number 023 9283 0640 and the website lane.fm for Lane Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Lane Financial Management a scam or clone?
Lane 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 Lane Financial Management?
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 Lane Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Lane Financial Management?
Companies House lists 2 people with significant control of Lane Financial Management: Mr Carl Patrick Rivers (50–75% of shares) and Mrs Shelley Rivers (25–50% of shares). Before that, it was controlled by Mr David Lane and Ms Alison Louise Lawley.
Who runs Lane Financial Management?
Companies House lists 2 directors of Lane Financial Management: Carl Patrick Rivers and James Rivers.
How long has Lane Financial Management been in business?
The company was formed on 16 July 2001, and has held its current FCA authorisation since January 2006.
What do Lane Financial Management’s latest accounts show?
Its latest accounts, to 31 August 2026, show net assets of £261k (+32% from £198k) and cash at bank of £341k (+27% from £269k).

Sources and links

The full report on Lane Financial Management Limited

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