Perpetual Independent Financial Advice Limited

Reference number: 750602

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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 perpetualifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 07507 204358 is
  • Who else gives the postcode N16 8EQ
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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.
  • 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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • 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

Limits on what they may do

  • The firm must offboard all current Appointed Representatives (ARs) and must not onboard any new ARs or Introducer ARs.
    Requirements 1. The Firm not, without the prior written consent of the FCA, enter into any new agreement or arrangement with any Appointed Representative (“AR”) or Introducer AR. 2. The Firm must offboard all its ARs. Timing and duration of the Requirements 3. The Requirements in this application are to take immediate effect on their acceptance by the Authority and notification of such to the Firm by email. 4. The Requirements shall remain in effect until the FCA is satisfied that they can be lifted.

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
09466788
Company status
Active
Company type
Private limited company
Incorporated
3 March 2015 (11 years old)
Registered office
45 Brighton Road, London, N16 8EQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gerardo Gasparro Director Dec 1977 3 Mar 2015 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
still active
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
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£2,925

+152% from £1,161

Employees (average)

3

+200% from 1

Owed within a year

£125k

+28% from £98.0k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 09466788. 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

Perpetual Independent Financial Advice’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2026

28 April 2026

  • FCA imposed a requirement (The firm must offboard all current Appointed Representatives (ARs) and must not onboard any new ARs or Introducer ARs.)

FCA register

2017

1 February 2017

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

FCA register

2016

1 June 2016

  • Gerardo Gasparro took control (75–100% of shares)

Companies House

2015

3 March 2015

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Perpetual Independent Financial Advice

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

In London

Ernst & Young LLPLondonAuthorisedGallagher (Administration & Investment) LimitedLondonAuthorisedGallagher Risk & Reward LimitedLondonAuthorisedKroll Securities LtdLondonAuthorisedCambridge Mercantile Risk Management (UK) LtdLondonAuthorisedCapita Pension Solutions LimitedLondonAuthorised

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 Perpetual Independent Financial Advice

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
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Perpetual Independent Financial Advice Limited FCA authorised?
Yes, Perpetual Independent Financial Advice Limited (FRN 750602) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a financial adviser. The FCA has placed a limit on what it may do.
What is Perpetual Independent Financial Advice’s phone number and website?
The FCA register lists the phone number 07507 204358 and the website perpetualifa.co.uk for Perpetual Independent Financial Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Perpetual Independent Financial Advice a scam or clone?
Perpetual Independent Financial Advice 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 Perpetual Independent Financial Advice?
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 Perpetual Independent Financial Advice to the Financial Ombudsman Service, free of charge.
Who owns Perpetual Independent Financial Advice?
Companies House lists one person with significant control of Perpetual Independent Financial Advice: Mr Gerardo Gasparro (75–100% of shares).
Who runs Perpetual Independent Financial Advice?
Companies House lists one director of Perpetual Independent Financial Advice: Gerardo Gasparro.
How long has Perpetual Independent Financial Advice been in business?
The company was formed on 3 March 2015, and has held its current FCA authorisation since February 2017.
What do Perpetual Independent Financial Advice’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £2,925 (+152% from £1,161).

Sources and links

The full report on Perpetual Independent Financial Advice Limited

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