M & D Financial Management Limited

Reference number: 402654

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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 manddfinancial.com first appeared online, and whether it can receive email
  • What kind of line 028 9038 0940 is
  • Who else gives the postcode BT9 5NW
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Other names (2)

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

  • Medical & Dental Trading name
  • M & D Pensions & Investments Ltd Former name

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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (9 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
  • Credit Broking
  • Debt-counselling
  • 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
NI049794
Company status
Active
Company type
Private limited company
Incorporated
24 February 2004 (22 years old)
Registered office
M&D House, 56 Newforge Lane, Belfast, BT9 5NW, Northern Ireland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Declan Convery Director Dec 1966 6 Oct 2005 2 other companies
Brian David Horner Director Feb 1986 7 May 2019 4 other companies
John Horner Director Jun 1979 7 May 2019 2 other companies

Other companies run by these 3 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 companies
6
closed down
2
is FCA-registered
1

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 2 companies these 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Total equity

£651k

+7.8% from £604k

Cash at bank

£666k

+8.4% from £615k

Owed within a year

£15.3k

+41% from £10.9k

Total equity

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.

Accounts filed at Companies House for company NI049794. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (15) All events (32)

2025

3 January 2025

  • Brian Horner no longer has significant control
  • Convery Ms Ltd became a part-owner (25–50% of shares)
  • Declan Convery no longer has significant control
  • Horner Ltd became a part-owner (25–50% of shares)
  • Peter Kilpatrick no longer has significant control

Companies House

2022

31 January 2022

  • Paul Murphy no longer has significant control

Companies House

2016

6 April 2016

  • Brian Horner gained significant control
  • Declan Convery gained significant control
  • Paul Murphy gained significant control
  • Peter Kilpatrick gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

18 January 2005

  • Changed its registered name from "M & D Pensions & Investments Ltd"

FCA register

12 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2004

24 February 2004

  • Incorporated at Companies House

Companies House

In the full report: all 32 events

  • All 32 events in its history (15 shown here)
  • Every director appointment and resignation: 11
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Firms connected to M & D Financial Management

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

connected firms
4
share a director
1
share its postcode
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like M & D Financial Management

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

In Belfast

Andrew Clements Partnership LtdBelfastAuthorisedBartholomew & James (Financial Services) LimitedBelfastAuthorisedCarlile Financial Services LtdBelfastAuthorisedCompass Financial Associates LimitedBelfastAuthorisedConroy Financial Planning LLPBelfastAuthorisedCrn Financial Services LimitedBelfastAuthorised

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 M & D Financial Management

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 32 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is M & D Financial Management Limited FCA authorised?
Yes, M & D Financial Management Limited (FRN 402654) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is M & D Financial Management’s phone number and website?
The FCA register lists the phone number 028 9038 0940 and the website manddfinancial.com for M & D Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is M & D Financial Management a scam or clone?
M & D 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 M & D 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 M & D Financial Management to the Financial Ombudsman Service, free of charge.
Who owns M & D Financial Management?
Companies House lists 2 people with significant control of M & D Financial Management: Convery Ms Ltd (25–50% of shares) and Horner Ltd (25–50% of shares). Before that, it was controlled by Mr Paul Murphy, Mr Brian Horner and Mr Peter Kilpatrick.
Who runs M & D Financial Management?
Companies House lists 3 directors of M & D Financial Management: Declan Convery, Brian David Horner and John Horner.
How long has M & D Financial Management been in business?
The company was formed on 24 February 2004, and has held its current FCA authorisation since January 2005.
What do M & D Financial Management’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £651k (+7.8% from £604k) and cash at bank of £666k (+8.4% from £615k).
Does M & D Financial Management use any other names?
It trades as Medical & Dental. It has previously used the name M & D Pensions & Investments Ltd.

Sources and links

The full report on M & D Financial Management Limited

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