Octave Financial Planning Limited

Reference number: 440770

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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 octavefinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 266 1031 is
  • Who else gives the postcode M22 5TG
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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.
  • 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 P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • 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
05569025
Company status
Active
Company type
Private limited company
Incorporated
20 September 2005 (21 years old)
Registered office
8 Winmarleigh Street, Warrington, Cheshire, WA1 1JW
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Nigel Spencer Phipps Director Aug 1970 20 Sep 2005 2 other companies
Sarah Kathryn Phipps Director May 1975 4 Jul 2007 1 other company
Sarah Kathryn Phipps Secretary Not published 20 Sep 2005 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 companies
2
still active
2
is FCA-registered
1

In the full report: all 2 companies, 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 one on the FCA register
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

£118k

+6.8% from £110k

Cash at bank

£91.6k

−8.7% from £100k

Employees (average)

5

Same as 5

Owed within a year

£63.4k

−12% from £72.3k

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 05569025. 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

Octave Financial Planning’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2020

30 November 2020

  • Nigel Spencer Phipps stopped being the majority owner
  • Octave Investments Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Nigel Spencer Phipps became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

3 January 2006

  • Became authorised by the FCA

FCA register

2005

28 December 2005

  • Regulated by the Financial Services Authority from this date

FCA register

20 September 2005

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Octave Financial Planning

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Octave Financial Planning

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

In Manchester

Anthony William LennonManchesterAuthorisedBaker Financial Planning LtdManchesterAuthorisedBlacksquare Advisory LimitedManchesterAuthorisedCarpenter Rees LimitedManchesterAuthorisedChamberlain AssociatesManchesterAuthorisedChristian Douglass Group LimitedManchesterAuthorised

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 Octave Financial Planning

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 12 events in its history

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Frequently asked questions about this firm

Is Octave Financial Planning Limited FCA authorised?
Yes, Octave Financial Planning Limited (FRN 440770) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2006 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Octave Financial Planning’s phone number and website?
The FCA register lists the phone number 0161 266 1031 and the website octavefinancial.co.uk for Octave Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Octave Financial Planning a scam or clone?
Octave Financial Planning 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 Octave Financial Planning?
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 Octave Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns Octave Financial Planning?
Octave Financial Planning is owned by Octave Investments Limited, which holds 75–100% of shares and 75–100% of votes, since 30 November 2020. Before that, it was controlled by Mr Nigel Spencer Phipps.
Who runs Octave Financial Planning?
Companies House lists 2 directors of Octave Financial Planning: Nigel Spencer Phipps and Sarah Kathryn Phipps.
How long has Octave Financial Planning been in business?
The company was formed on 20 September 2005, and has held its current FCA authorisation since January 2006.
What do Octave Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £118k (+6.8% from £110k) and cash at bank of £91.6k (−8.7% from £100k).

Sources and links

The full report on Octave Financial Planning Limited

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