Lucent Financial Planning Ltd
Reference number: 1051308
Instant download
Acts as a payment agent
This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.
- Agent for under a year
- No FCA actions
- Active company since 2012
- Accounts filed up to 31 August 2026
- Your funds are not FSCS protected
This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 945107 →.
Responsible principal firm
Moneyinfo Limited Reference number: 806043 Registered View firm →This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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.
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Phone number
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Address
1b The Exchange, 20a Poplar Road, Solihull, B91 3AB, United Kingdom
In the full report: 3 background checks
- When lucentfinancialplanning.co.uk first appeared online, and whether it can receive email
- What kind of line 0121 705 1000 is
- Who else gives the postcode B91 3AB
Other names (1)
If you were contacted under any of these names, it is this firm.
- Lucent Trading name: A name it trades under now.
Past FCA permissions and consumer protection
- Protection works through the principalThis firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.
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
- 08191924 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 August 2012 (14 years old)
- Registered office
- 1b The Exchange, 20a Poplar Road, Solihull, B91 3AB, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Steven James Rowe | Director | Dec 1977 | 28 Aug 2012 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£1.72m
+64% from £1.05m
Cash at bank
£1.05m
+163% from £400k
Owed within a year
£281k
+65% from £171k
Assets and liabilities
In the full report: all 8 years of accounts
- Every year from 2019 to 2026
- 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.
Accounts filed at Companies House for company 08191924. 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
Lucent Financial Planning’s history from the FCA register and Companies House, newest first.
2026
6 February 2026
- Status on the FCA register became "PSD Agent"
- Began trading as "Lucent"
FCA register
2021
21 July 2021
- Hannah Knight-Niblett gained significant control
Companies House
2016
28 August 2016
- Steven James Rowe took control (75–100% of shares)
Companies House
2012
28 August 2012
- Incorporated at Companies House
- Steven James Rowe appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Lucent Financial Planning
Other FCA-listed firms that share a director, phone number or address with Lucent Financial Planning. 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
Get the full report on Lucent Financial Planning
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
- 8 years of accounts, charted
- All 6 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Lucent Financial Planning Ltd FCA authorised?
What is Lucent Financial Planning’s phone number and website?
Is Lucent Financial Planning a scam or clone?
Is my money safe with Lucent Financial Planning?
Who owns Lucent Financial Planning?
Who runs Lucent Financial Planning?
How long has Lucent Financial Planning been in business?
What do Lucent Financial Planning’s latest accounts show?
Does Lucent Financial Planning use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk