Little Pebbles Financial Solutions Ltd

Reference number: 581963

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Little Pebbles Financial Solutions Ltd (FRN 581963) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Little Pebbles Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Little Pebbles Financial Solutions, 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.

In the full report: 3 background checks

  • When littlepebbles.co.uk first appeared online, and whether it can receive email
  • What kind of line 01237 429959 is
  • Who else gives the postcode EX39 2NF
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Other names (1)

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

  • Little Pebbles Finanical Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
07990393
Company status
Active
Company type
Private limited company
Incorporated
14 March 2012 (14 years old)
Registered office
69 High Street, Bideford, Devon, EX39 2AT
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Anthony Stone Director Feb 1966 14 Mar 2012 1 other company
Anne Marie Stone Director Jan 1970 27 Nov 2017 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
run together
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
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£103k

+29% from £79.5k

Cash at bank

£74.2k

+78% from £41.6k

Employees (average)

5

Same as 5

Owed within a year

£54.5k

−32% from £80.3k

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 07990393. 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

Little Pebbles Financial Solutions’s history from the FCA register and Companies House, newest first.

2017

27 November 2017

  • Anne Marie Stone became a part-owner (25–50% of shares)
  • Anne Marie Stone appointed as a director

Companies House

2016

20 October 2016

  • Changed its registered name from "Little Pebbles Finanical Solutions Ltd"

FCA register

6 April 2016

  • Richard Anthony Stone became a part-owner (25–50% of shares)

Companies House

2012

25 May 2012

  • Became an appointed representative

FCA register

14 March 2012

  • Incorporated at Companies House
  • Richard Anthony Stone appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Little Pebbles Financial Solutions

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

In Bideford

Sally Nichols & Associates LLPBidefordAppointed representativeD Scott Financial LimitedBidefordAuthorisedPaul DoffmanBidefordAuthorisedStephanie Amber CroftBidefordAuthorisedMorris Shapland Financial Services LimitedBidefordAuthorised

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 Little Pebbles Financial Solutions

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 7 events in its history

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Frequently asked questions about this firm

Is Little Pebbles Financial Solutions Ltd FCA authorised?
Little Pebbles Financial Solutions Ltd (FRN 581963) 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 Little Pebbles Financial Solutions?
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. Little Pebbles Financial Solutions Ltd (FRN 581963) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Little Pebbles Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Little Pebbles Financial Solutions, 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 Little Pebbles Financial Solutions’ phone number and website?
The FCA register lists the phone number 01237 429959 and the website littlepebbles.co.uk for Little Pebbles Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Little Pebbles Financial Solutions a scam or clone?
Little Pebbles Financial Solutions 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 Little Pebbles Financial Solutions?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Little Pebbles Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Little Pebbles Financial Solutions?
Companies House lists 2 people with significant control of Little Pebbles Financial Solutions: Mrs Anne Marie Stone (25–50% of shares) and Mr Richard Anthony Stone (25–50% of shares).
Who runs Little Pebbles Financial Solutions?
Companies House lists 2 directors of Little Pebbles Financial Solutions: Richard Anthony Stone and Anne Marie Stone.
How long has Little Pebbles Financial Solutions been in business?
The company was formed on 14 March 2012.
What do Little Pebbles Financial Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £103k (+29% from £79.5k) and cash at bank of £74.2k (+78% from £41.6k).
Does Little Pebbles Financial Solutions use any other names?
It has previously used the name Little Pebbles Finanical Solutions Ltd.

Sources and links

The full report on Little Pebbles Financial Solutions Ltd

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