Oak Four Limited

Reference number: 785589

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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

  • When oakfour.co.uk first appeared online, and whether it can receive email
  • What kind of line 01827 264485 is
  • Who else gives the postcode B77 5PA
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

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
10503951
Company status
Active
Company type
Private limited company
Incorporated
30 November 2016 (9 years old)
Registered office
18 St Christopher's Way, Pride Park, Derby, Derbyshire, DE24 8JY, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Robert Wood Director Oct 1980 6 Apr 2017 1 other company
Andrew Wearing Director Jul 1980 12 Jun 2017 1 other company

Other companies run by these 2 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
still active
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 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£75.6k

−29% from £106k

Cash at bank

£50.5k

−15% from £59.1k

Employees (average)

5

+67% from 3

Owed within a year

£103k

+50% from £68.5k

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 10503951. 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

Oak Four’s history from the FCA register and Companies House, newest first.

Key events (10) All events (16)

2019

1 August 2019

  • Andrew Wearing no longer has significant control
  • Kevin Robert Wood no longer has significant control
  • Oak Four Holdings Limited took control (75–100% of shares)

Companies House

2017

1 November 2017

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

FCA register

13 June 2017

  • Claire Pears gave up control

Companies House

12 June 2017

  • Andrew Wearing gained significant control

Companies House

6 April 2017

  • Kevin Robert Wood gained significant control

Companies House

2016

30 November 2016

  • Incorporated at Companies House
  • Claire Pears took control (75–100% of shares)

Companies House

In the full report: all 16 events

  • All 16 events in its history (10 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Oak Four

Other FCA-listed firms that share a director, phone number or address with Oak Four. 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 Oak Four

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

In Tamworth

Avon HouseTamworthAuthorisedChamberlain Wealth Management LtdTamworthAuthorisedColbourne & CompanyTamworthAuthorisedJB Financial Advice LtdTamworthAuthorisedMedics Financial Services LimitedTamworthAuthorisedObsidian Financial LimitedTamworthAuthorised

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 Oak Four

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Oak Four Limited FCA authorised?
Yes, Oak Four Limited (FRN 785589) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2017 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Oak Four’s phone number and website?
The FCA register lists the phone number 01827 264485 and the website oakfour.co.uk for Oak Four. If you were given different contact details, use these to check with the firm before going any further.
Is Oak Four a scam or clone?
Oak Four 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 Oak Four?
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 Oak Four to the Financial Ombudsman Service, free of charge.
Who owns Oak Four?
Oak Four is owned by Oak Four Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 August 2019. Before that, it was controlled by Mrs Claire Pears, Mr Andrew Wearing and Mr Kevin Robert Wood.
Who runs Oak Four?
Companies House lists 2 directors of Oak Four: Kevin Robert Wood and Andrew Wearing.
How long has Oak Four been in business?
The company was formed on 30 November 2016, and has held its current FCA authorisation since November 2017.
What do Oak Four’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £75.6k (−29% from £106k) and cash at bank of £50.5k (−15% from £59.1k).

Sources and links

The full report on Oak Four Limited

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