Meridian FS Limited

Reference number: 664078

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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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Meridian FS Limited (FRN 664078) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Meridian FS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Meridian FS, 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 meridianfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 133 0122 is
  • Who else gives the postcode BA11 4FN
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Other names (7)

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

  • Meridian Financial Services Trading name
  • Andrew James Palmer Former name
  • Andrew Palmer Former name
  • Meridian FS Ltd Former name
  • Andrew Palmer Financial Services Former trading name
  • AP-FS Former trading name
  • Chippendale & Clark Financial Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through 2 Plan Wealth Management 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
10057780
Company status
Active
Company type
Private limited company
Incorporated
11 March 2016 (10 years old)
Registered office
Unit M3 Frome Business Park, Manor Road Marston Trading Estate, Frome, Somerset, BA11 4FN, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew James Palmer Director Jul 1979 11 Mar 2016 4 other companies

Other companies run by its director

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
4
closed down
2
still active
2

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 April 2026Small company accountsNot audited

Net assets

£124

Up £14.0k from −£13.9k

Cash at bank

£1,466

+4.7% from £1,400

Employees (average)

1

Same as 1

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 10057780. 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

Meridian FS’s history from the FCA register and Companies House, newest first.

Key events (6) All events (14)

2023

29 November 2023

  • Changed its registered name from "Meridian FS Ltd"

FCA register

2016

6 April 2016

  • Andrew James Palmer took control (75–100% of shares)

Companies House

11 March 2016

  • Incorporated at Companies House

Companies House

2015

20 August 2015

  • Changed its registered name from "Andrew James Palmer"

FCA register

10 August 2015

  • Changed its registered name from "Andrew Palmer"

FCA register

8 January 2015

  • Became an appointed representative

FCA register

In the full report: all 14 events

  • All 14 events in its history (6 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Meridian FS

Other FCA-listed firms that share a director, phone number or address with Meridian FS. 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
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Firms like Meridian FS

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

In Frome

Peter MarksFromeAppointed representativeEthical Market Place LimitedFromeAuthorisedT.M. PullenFromeAuthorised

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 Meridian FS

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Meridian FS Limited FCA authorised?
Meridian FS Limited (FRN 664078) 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 Meridian FS?
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. Meridian FS Limited (FRN 664078) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Meridian FS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Meridian FS, 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 Meridian FS’ phone number and website?
The FCA register lists the phone number 0330 133 0122 and the website meridianfs.co.uk for Meridian FS. If you were given different contact details, use these to check with the firm before going any further.
Is Meridian FS a scam or clone?
Meridian FS 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 Meridian FS?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Meridian FS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Meridian FS?
Companies House lists one person with significant control of Meridian FS: Mr Andrew James Palmer (75–100% of shares).
Who runs Meridian FS?
Companies House lists one director of Meridian FS: Andrew James Palmer.
How long has Meridian FS been in business?
The company was formed on 11 March 2016.
What do Meridian FS’ latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £124 (up £14.0k from −£13.9k) and cash at bank of £1,466 (+4.7% from £1,400).
Does Meridian FS use any other names?
It trades as Meridian Financial Services. It has previously used 6 other names, including Andrew James Palmer, Andrew Palmer and Meridian FS Ltd.

Sources and links

The full report on Meridian FS Limited

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