PBS Financial Solutions Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 12 years
Your funds are protected by FSCS
No FCA actions
Active company since 2007
Accounts filed up to 30 June 2026

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.

Website

pbsfinancial.co.uk (opens in a new tab)
Phone number

01524 888877
Address

9 King Street, Lancaster, Lancashire, LA1 1JN, United Kingdom

In the full report: 3 background checks

When pbsfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01524 888877 is
Who else gives the postcode LA1 1JN

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 (13 permissions)

Acting as a CBTL advisor
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
Providing Credit Information Services

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: 06278623 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 13 June 2007 (19 years old)
Registered office: 9 King Street, Lancaster, Lancashire, LA1 1JN, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Paul Brett-Smith	Director	Aug 1982	21 Jun 2007	1 other company

Other companies run by its director

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

In the full report: all 1 company, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 June 2026Micro-entity accountsNot audited

Net assets

£172k

+6.6% from £161k

Employees (average)

5

−17% from 6

Owed within a year

£48.0k

−1.2% from £48.6k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, over every year
Every filed figure, year by year

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 06278623. 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

PBS Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2016

6 April 2016

Paul Brett-Smith became the majority owner (50–75% of shares)

Companies House

2014

10 October 2014

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

FCA register

2007

13 June 2007

Incorporated at Companies House

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 1

Firms like PBS Financial Solutions

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

In Lancaster

Advice Matters Financial Planning LtdLancasterAuthorised David Kneale Financial Management Ltd.LancasterAuthorised Estate and Property LimitedLancasterAuthorised Maplewood Training Solutions LtdLancasterAuthorised Ambler Blackburn LtdLancasterAppointed representative Bridges and Co Financial Advisers (Lancaster) LtdLancasterAppointed 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 PBS Financial Solutions

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 7 events in its history

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Frequently asked questions about this firm

Is PBS Financial Solutions Ltd FCA authorised?

Yes, PBS Financial Solutions Ltd (FRN 624550) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2014 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is PBS Financial Solutions’ phone number and website?

The FCA register lists the phone number 01524 888877 and the website pbsfinancial.co.uk for PBS Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is PBS Financial Solutions a scam or clone?

PBS Financial Solutions 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 PBS Financial Solutions?

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 PBS Financial Solutions to the Financial Ombudsman Service, free of charge.

Who owns PBS Financial Solutions?

Companies House lists one person with significant control of PBS Financial Solutions: Mr Paul Brett-Smith (50–75% of shares).

Who runs PBS Financial Solutions?

Companies House lists one director of PBS Financial Solutions: Paul Brett-Smith.

How long has PBS Financial Solutions been in business?

The company was formed on 13 June 2007, and has held its current FCA authorisation since October 2014.

What do PBS Financial Solutions’ latest accounts show?

Its latest accounts, to 30 June 2026, show net assets of £172k (+6.6% from £161k).