Meliora Financial Planning Limited

Reference number: 997575

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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

Sense Network Limited Reference number: 465124 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.
  • Meliora Financial Planning Limited (FRN 997575) is an AR of Sense Network Limited (FRN 465124). When you use Meliora Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Meliora Financial Planning, 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 meliorafp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07745 357955 is
  • Who else gives the postcode SG5 1SG
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense Network 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
14770358
Company status
Active
Company type
Private limited company
Incorporated
30 March 2023 (3 years old)
Registered office
Home Farm, Cockayne Hatley, Sandy, Bedfordshire, SG19 2EA, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Zoe Jo Clark Director Apr 1987 30 Mar 2023 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 March 2025Micro-entity accountsNot audited

Net assets

£1,687

Up £12.6k from −£10.9k

Employees (average)

1

Same as 1

Owed within a year

£20.1k

+334% from £4,632

Assets and liabilities

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 14770358. 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

Meliora Financial Planning’s history from the FCA register and Companies House, newest first.

2023

8 June 2023

  • Became an appointed representative

FCA register

30 March 2023

  • Incorporated at Companies House
  • Zoe Jo Clark took control (75–100% of shares)
  • Zoe Jo Clark appointed as a director

Companies House

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

Firms like Meliora Financial Planning

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

In Hitchin

ACM Wealth Planning LimitedHitchinAppointed representativeAJE Wealth Management LimitedHitchinAppointed representativeJames Wealth Management LtdHitchinAppointed representativeJLM Network Wealth LimitedHitchinAppointed representativeLavender Financial Planners LimitedHitchinAppointed representativePremier Property Solutions (UK) LimitedHitchinAppointed 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 Meliora 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
  • All 4 events in its history

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Frequently asked questions about this firm

Is Meliora Financial Planning Limited FCA authorised?
Meliora Financial Planning Limited (FRN 997575) 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 Meliora Financial Planning?
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. Meliora Financial Planning Limited (FRN 997575) is an AR of Sense Network Limited (FRN 465124). When you use Meliora Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Meliora Financial Planning, 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 Meliora Financial Planning’s phone number and website?
The FCA register lists the phone number 07745 357955 and the website meliorafp.co.uk for Meliora Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Meliora Financial Planning a scam or clone?
Meliora Financial Planning 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 Meliora Financial Planning?
Protection works through Sense Network Limited, the principal firm responsible for Meliora Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Meliora Financial Planning?
Companies House lists one person with significant control of Meliora Financial Planning: Zoe Jo Clark (75–100% of shares).
Who runs Meliora Financial Planning?
Companies House lists one director of Meliora Financial Planning: Zoe Jo Clark.
How long has Meliora Financial Planning been in business?
The company was formed on 30 March 2023.
What do Meliora Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £1,687 (up £12.6k from −£10.9k).

Sources and links

The full report on Meliora Financial Planning Limited

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