Optimum Financial Advisors Limited

Reference number: 407900

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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 optimumfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01245 344003 is
  • Who else gives the postcode CM2 6LU
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Other names (1)

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

  • Optimum Financial Solutions Trading name

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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • 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
04474140
Company status
Active
Company type
Private limited company
Incorporated
1 July 2002 (24 years old)
Registered office
72-74 Wharf Road, Chelmsford, Essex, CM2 6LU, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Peter John Sharman Director May 1959 1 Jul 2002 3 other companies
Christopher James Ellis Director Jun 1968 8 Mar 2004 2 other companies
Julia Kristin Milne Secretary Not published 1 Jul 2002 –

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
3
closed down
1
run together
2

In the full report: all 3 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 2 companies 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 31 July 2025Small company accountsNot audited

Net assets

£14.9k

+6% from £14.1k

Cash at bank

£49.5k

+18% from £42.0k

Employees (average)

4

+33% from 3

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 04474140. 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

Optimum Financial Advisors’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2016

6 April 2016

  • Christopher James Ellis became a part-owner (25–50% of shares)
  • Peter John Sharman became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

7 December 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

1 July 2002

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like Optimum Financial Advisors

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

In Chelmsford

Accendo Markets LimitedChelmsfordAuthorisedBooth Financial Services LimitedChelmsfordAuthorisedCallaway Sykes Associates LimitedChelmsfordAuthorisedCapital & Counties (Financial Services) LimitedChelmsfordAuthorisedCastle Wealth LimitedChelmsfordAuthorisedComplete Financial Solutions LimitedChelmsfordAuthorised

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 Optimum Financial Advisors

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Optimum Financial Advisors Limited FCA authorised?
Yes, Optimum Financial Advisors Limited (FRN 407900) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2004 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Optimum Financial Advisors’ phone number and website?
The FCA register lists the phone number 01245 344003 and the website optimumfinancial.co.uk for Optimum Financial Advisors. If you were given different contact details, use these to check with the firm before going any further.
Is Optimum Financial Advisors a scam or clone?
Optimum Financial Advisors 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 Optimum Financial Advisors?
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 Optimum Financial Advisors to the Financial Ombudsman Service, free of charge.
Who owns Optimum Financial Advisors?
Companies House lists 2 people with significant control of Optimum Financial Advisors: Mr Christopher James Ellis (25–50% of shares) and Mr Peter John Sharman (25–50% of shares).
Who runs Optimum Financial Advisors?
Companies House lists 2 directors of Optimum Financial Advisors: Peter John Sharman and Christopher James Ellis.
How long has Optimum Financial Advisors been in business?
The company was formed on 1 July 2002, and has held its current FCA authorisation since December 2004.
What do Optimum Financial Advisors’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £14.9k (+6% from £14.1k) and cash at bank of £49.5k (+18% from £42.0k).
Does Optimum Financial Advisors use any other names?
It trades as Optimum Financial Solutions.

Sources and links

The full report on Optimum Financial Advisors Limited

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