MES Financial Services Limited

Reference number: 805568

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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, 1 thing worth a closer look

  • When mespensions.com first appeared online, and whether it can receive email
  • What kind of line 0330 320 2091 is
  • Who else gives the postcode BA1 2NH
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Other names (2)

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

  • MES Pensions Trading name
  • MyExpatSipp Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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 (5 permissions)
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Dealing in investments as principal
  • Establishing/operating/winding up a personal pension scheme
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.

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
11063232
Company status
Active
Company type
Private limited company
Incorporated
14 November 2017 (8 years old)
Registered office
8 Palace Yard Mews, Bath, BA1 2NH, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Cameron Jack Frazer Law Director Jun 1988 14 Nov 2017 2 other companies
David Michael Johnstone Director Mar 1987 31 Oct 2022 1 other company
Alice Josephine Lucas Director Oct 1987 20 Oct 2026 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
2
still active
2
run together
2

In the full report: all 2 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 2 companies these 3 directors run together
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£332k

+31% from £253k

Cash at bank

£284k

+14% from £250k

Employees (average)

11

+57% from 7

Owed within a year

£265k

+64% from £162k

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 11063232. 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

MES Financial Services’s history from the FCA register and Companies House, newest first.

Key events (11) All events (19)

2026

30 January 2026

  • Cameron Jack Frazer Law stopped being a part-owner
  • David Michael Johnstone stopped being a part-owner
  • Mes Financial Group Limited took control (75–100% of shares)

Companies House

2022

31 October 2022

  • David Michael Johnstone became a part-owner (25–50% of shares)

Companies House

2020

17 April 2020

  • FCA imposed a requirement (May control but not hold client money)

FCA register

2018

19 August 2018

  • David Michael Johnstone stopped being a part-owner

Companies House

1 August 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register · Companies House

2017

14 November 2017

  • Incorporated at Companies House
  • Cameron Jack Frazer Law became a part-owner (25–50% of shares)
  • David Michael Johnstone became a part-owner (25–50% of shares)

Companies House

In the full report: all 19 events

  • All 19 events in its history (11 shown here)
  • Every director appointment and resignation: 5
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Firms connected to MES Financial Services

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on MES Financial Services

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 19 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is MES Financial Services Limited FCA authorised?
Yes, MES Financial Services Limited (FRN 805568) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2018. The FCA has placed a limit on what it may do.
What is MES Financial Services’ phone number and website?
The FCA register lists the phone number 0330 320 2091 and the website mespensions.com for MES Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is MES Financial Services a scam or clone?
MES Financial Services 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 MES Financial Services?
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 MES Financial Services to the Financial Ombudsman Service, free of charge.
Who owns MES Financial Services?
MES Financial Services is owned by Mes Financial Group Limited, which holds 75–100% of shares and 75–100% of votes, since 30 January 2026. Before that, it was controlled by Mr David Michael Johnstone and Mr Cameron Jack Frazer Law.
Who runs MES Financial Services?
Companies House lists 3 directors of MES Financial Services: Cameron Jack Frazer Law, David Michael Johnstone and Alice Josephine Lucas.
How long has MES Financial Services been in business?
The company was formed on 14 November 2017, and has held its current FCA authorisation since August 2018.
What do MES Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £332k (+31% from £253k) and cash at bank of £284k (+14% from £250k).
Does MES Financial Services use any other names?
It trades as MES Pensions and MyExpatSipp.

Sources and links

The full report on MES Financial Services Limited

£19.99 · Instant PDF download

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