NeedingAdvice.co.uk Ltd

Reference number: 938312

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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

Rosemount Financial Solutions (IFA) Limited Reference number: 535515 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.
  • NeedingAdvice.co.uk Ltd (FRN 938312) is an AR of Rosemount Financial Solutions (IFA) Limited (FRN 535515). When you use NeedingAdvice.co.uk's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from NeedingAdvice.co.uk, 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.

  • No website on the FCA register

  • Phone number

    07912 076990

  • Address

    107-109 Far Bank, Shelley, Huddersfield, West Yorkshire, HD8 8HT, United Kingdom

In the full report: 2 background checks

  • What kind of line 07912 076990 is, and the other firm that gives it
  • Who else gives the postcode HD8 8HT
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Other names (11)

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

  • Advice4Directors.co.uk Trading name
  • directorincomeprotection.co.uk Trading name
  • inbusinesstogether.co.uk Trading name
  • offthefield.co.uk Trading name
  • ProtectYourBiz.co.uk Trading name
  • rateswitchrewards.co.uk Trading name
  • relevantlifepolicy.com Trading name
  • selfemployedhelp.co.uk Trading name
  • thefinancewoman.co.uk Trading name
  • relevantlifepolicyinsurance.co.uk Former trading name
  • thefinancewomen.co.uk Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rosemount Financial Solutions (IFA) 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
12978572
Company status
Active
Company type
Private limited company
Incorporated
27 October 2020 (5 years old)
Registered office
107-109 Far Bank, Shelley, Huddersfield, HD8 8HT, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Damian Youell Director Dec 1974 27 Oct 2020 1 other company
Lisa Youell Director Aug 1977 27 Oct 2020 1 other company
Romany Angel Youell Director Mar 2002 17 Jun 2026 None

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 company
1
closed down
1
run together
1

In the full report: all 1 company, 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 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£2,925

Up £2,923 from £2

Employees (average)

5

Same as 5

Owed within a year

£28.7k

+32% from £21.7k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 12978572. 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

NeedingAdvice.co.uk’s history from the FCA register and Companies House, newest first.

Key events (4) All events (20)

2020

12 November 2020

  • Became an appointed representative

FCA register

27 October 2020

  • Incorporated at Companies House
  • Damian Youell became the majority owner (50–75% of shares)
  • Lisa Youell became the majority owner (50–75% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (4 shown here)
  • Every director appointment and resignation: 3
Instant PDF download

Firms connected to NeedingAdvice.co.uk

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

connected firm
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like NeedingAdvice.co.uk

Other firms of the same type (insurance broker), nearest first.

In Huddersfield

Five Rivers Insurance Solutions LimitedHuddersfieldAppointed representativeNeeding Advice.co.ukHuddersfieldAppointed representativeTouchwood Insurance Brokers LtdHuddersfieldAppointed representativeTown & Country Insurance Brokers LtdHuddersfieldAppointed representativeVsure Financial LtdHuddersfieldAppointed representativeDonaldson's Vets LimitedHuddersfieldAppointed 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 NeedingAdvice.co.uk

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 20 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is NeedingAdvice.co.uk Ltd FCA authorised?
NeedingAdvice.co.uk Ltd (FRN 938312) 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 NeedingAdvice.co.uk?
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. NeedingAdvice.co.uk Ltd (FRN 938312) is an AR of Rosemount Financial Solutions (IFA) Limited (FRN 535515). When you use NeedingAdvice.co.uk's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NeedingAdvice.co.uk, 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 NeedingAdvice.co.uk’s phone number?
The FCA register lists the phone number 07912 076990 for NeedingAdvice.co.uk. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is NeedingAdvice.co.uk a scam or clone?
NeedingAdvice.co.uk 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 NeedingAdvice.co.uk?
Protection works through Rosemount Financial Solutions (IFA) Limited, the principal firm responsible for NeedingAdvice.co.uk's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns NeedingAdvice.co.uk?
Companies House lists 2 people with significant control of NeedingAdvice.co.uk: Mr Damian Youell (50–75% of shares) and Mrs Lisa Youell (50–75% of shares).
Who runs NeedingAdvice.co.uk?
Companies House lists 3 directors of NeedingAdvice.co.uk: Damian Youell, Lisa Youell and Romany Angel Youell.
How long has NeedingAdvice.co.uk been in business?
The company was formed on 27 October 2020.
What do NeedingAdvice.co.uk’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £2,925 (up £2,923 from £2).
Does NeedingAdvice.co.uk use any other names?
It trades as Advice4Directors.co.uk, directorincomeprotection.co.uk, inbusinesstogether.co.uk, offthefield.co.uk and ProtectYourBiz.co.uk, and 4 more names. It has previously used 2 other names: relevantlifepolicyinsurance.co.uk and thefinancewomen.co.uk.

Sources and links

The full report on NeedingAdvice.co.uk Ltd

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