Moor Independent Financial Advisers Limited

Reference number: 982622

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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

ValidPath Limited Reference number: 197107 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.
  • Moor Independent Financial Advisers Limited (FRN 982622) is an AR of ValidPath Limited (FRN 197107). When you use Moor Independent Financial Advisers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Moor Independent Financial Advisers, 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 moorifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 01837 748218 is
  • Who else gives the postcode EX20 1AS
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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
14266604
Company status
Active
Company type
Private limited company
Incorporated
1 August 2022 (4 years old)
Registered office
6 East Street, Okehampton, EX20 1AS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Chloe Elizabeth Bonner Director Jun 1988 1 Aug 2022 None
Jonathan Stuart Cotty Director Jan 1979 1 Aug 2022 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£6,031

Up £5,978 from £53

Cash at bank

£6,545

No earlier figure to compare

Employees (average)

1

Up 1 from 0

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 14266604. 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

Moor Independent Financial Advisers’s history from the FCA register and Companies House, newest first.

2022

6 September 2022

  • Became an appointed representative

FCA register

1 August 2022

  • Incorporated at Companies House
  • Chloe Elizabeth Bonner became a part-owner (25–50% of shares)
  • Jonathan Stuart Cotty became the majority owner (50–75% of shares)
  • Chloe Elizabeth Bonner appointed as a director
  • Jonathan Stuart Cotty appointed as a director

Companies House

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

Firms connected to Moor Independent Financial Advisers

Other FCA-listed firms that share a director, phone number or address with Moor Independent Financial Advisers. 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 Moor Independent Financial Advisers

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

In Okehampton

KD Financial LLPOkehamptonAppointed representativeStrategic Wealth and Financial Planning LtdOkehamptonAppointed representativeDavidsons Independent Financial Advisers LimitedOkehamptonAuthorised

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 Moor Independent Financial Advisers

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 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Moor Independent Financial Advisers Limited FCA authorised?
Moor Independent Financial Advisers Limited (FRN 982622) 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 Moor Independent Financial Advisers?
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. Moor Independent Financial Advisers Limited (FRN 982622) is an AR of ValidPath Limited (FRN 197107). When you use Moor Independent Financial Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Moor Independent Financial Advisers, 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 Moor Independent Financial Advisers’ phone number and website?
The FCA register lists the phone number 01837 748218 and the website moorifa.co.uk for Moor Independent Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is Moor Independent Financial Advisers a scam or clone?
Moor Independent Financial Advisers 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 Moor Independent Financial Advisers?
Protection works through ValidPath Limited, the principal firm responsible for Moor Independent Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Moor Independent Financial Advisers?
Companies House lists 2 people with significant control of Moor Independent Financial Advisers: Mr Jonathan Stuart Cotty (50–75% of shares) and Ms Chloe Elizabeth Bonner (25–50% of shares).
Who runs Moor Independent Financial Advisers?
Companies House lists 2 directors of Moor Independent Financial Advisers: Chloe Elizabeth Bonner and Jonathan Stuart Cotty.
How long has Moor Independent Financial Advisers been in business?
The company was formed on 1 August 2022.
What do Moor Independent Financial Advisers’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £6,031 (up £5,978 from £53) and cash at bank of £6,545 (no earlier figure to compare).

Sources and links

The full report on Moor Independent Financial Advisers Limited

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