Lois Browning Financial Limited

Reference number: 718827

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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

Sesame Limited Reference number: 150427 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.
  • Lois Browning Financial Limited (FRN 718827) is an AR of Sesame Limited (FRN 150427). When you use Lois Browning Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lois Browning Financial, 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

    01892 240400

  • Address

    15 Herald Gardens, Tunbridge Wells, Kent, TN2 3FQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01892 240400 is
  • Who else gives the postcode TN2 3FQ
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Other names (1)

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

  • L B Financial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
09657945
Company status
Active
Company type
Private limited company
Incorporated
25 June 2015 (11 years old)
Registered office
Ground Floor Oakhurst House, 77 Mount Ephraim, Tunbridge Wells, Kent, TN4 8BS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Lois Pauline Browning Director Jan 1973 25 Jun 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Total equity

£10.6k

Up £10.5k from £123

Employees (average)

2

Same as 2

Owed within a year

£75.6k

−25% from £101k

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 09657945. 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

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

2016

26 June 2016

  • Lois Pauline Browning took control (75–100% of shares)

Companies House

2015

30 September 2015

  • Became an appointed representative
  • Began trading as "L B Financial"

FCA register

25 June 2015

  • Incorporated at Companies House
  • Lois Pauline Browning appointed as a director

Companies House

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

Firms like Lois Browning Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In Tunbridge Wells

CMC Financial LtdTunbridge WellsAppointed representativeDaniel KitchenerTunbridge WellsAppointed representativeDeborah Fiona BriggsTunbridge WellsAppointed representativeNext Step Financial Solutions LtdTunbridge WellsAppointed representativePaul Anthony FaseyTunbridge WellsAppointed representativePeter Leslie StoreyTunbridge WellsAppointed 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 Lois Browning 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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Lois Browning Financial Limited FCA authorised?
Lois Browning Financial Limited (FRN 718827) 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 Lois Browning Financial?
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. Lois Browning Financial Limited (FRN 718827) is an AR of Sesame Limited (FRN 150427). When you use Lois Browning Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lois Browning Financial, 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 Lois Browning Financial’s phone number?
The FCA register lists the phone number 01892 240400 for Lois Browning Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Lois Browning Financial a scam or clone?
Lois Browning 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 Lois Browning Financial?
Protection works through Sesame Limited, the principal firm responsible for Lois Browning Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lois Browning Financial?
Companies House lists one person with significant control of Lois Browning Financial: Mrs Lois Pauline Browning (75–100% of shares).
Who runs Lois Browning Financial?
Companies House lists one director of Lois Browning Financial: Lois Pauline Browning.
How long has Lois Browning Financial been in business?
The company was formed on 25 June 2015.
What do Lois Browning Financial’s latest accounts show?
Its latest accounts, to 31 August 2025, show total equity of £10.6k (up £10.5k from £123).
Does Lois Browning Financial use any other names?
It trades as L B Financial.

Sources and links

The full report on Lois Browning Financial Limited

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