Personal Financial Matters Ltd

Reference number: 1019871

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Personal Financial Matters Ltd (FRN 1019871) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Personal Financial Matters's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Personal Financial Matters, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 personalfinancialmatters.co.uk first appeared online, and whether it can receive email
  • What kind of line 01902 587044 is
  • Who else gives the postcode WV1 4TH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
06684916
Company status
Active
Company type
Private limited company
Incorporated
1 September 2008 (18 years old)
Registered office
1 Broad Lane, Wolverhampton, West Midlands, WV3 9BJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Babita Nahal Director Mar 1977 23 Jan 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£5,356

−23% from £6,918

Employees (average)

2

−33% from 3

Owed within a year

£16.2k

−7.7% from £17.5k

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 06684916. 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

Personal Financial Matters’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2024

26 September 2024

  • Became an appointed representative

FCA register

2019

13 February 2019

  • Babita Nahal took control (75–100% of shares)
  • Kuldep Singh Nahal stopped being a part-owner

Companies House

2016

1 September 2016

  • Kuldep Singh Nahal became a part-owner (25–50% of shares)

Companies House

2008

1 September 2008

  • 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: 3
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Firms connected to Personal Financial Matters

Other FCA-listed firms that share a director, phone number or address with Personal Financial Matters. 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 Personal Financial Matters

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

In the Wolverhampton (WV) postcode area

Abacus Wealth Services LimitedWolverhamptonAppointed representativeAJI Financial Planning LtdWolverhamptonAppointed representativeAstute Financial Planning LimitedWolverhamptonAppointed representativeBraitch Financial Planning LtdWolverhamptonAppointed representativeCaptain Adrian GoldsbroughWolverhamptonAppointed representativeDamon Scott PikeWolverhamptonAppointed 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 Personal Financial Matters

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

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Personal Financial Matters Ltd FCA authorised?
Personal Financial Matters Ltd (FRN 1019871) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Personal Financial Matters?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Personal Financial Matters Ltd (FRN 1019871) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Personal Financial Matters's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Personal Financial Matters, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Personal Financial Matters’ phone number and website?
The FCA register lists the phone number 01902 587044 and the website personalfinancialmatters.co.uk for Personal Financial Matters. If you were given different contact details, use these to check with the firm before going any further.
Is Personal Financial Matters a scam or clone?
Personal Financial Matters 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 Personal Financial Matters?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Personal Financial Matters's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Personal Financial Matters?
Companies House lists one person with significant control of Personal Financial Matters: Mrs Babita Nahal (75–100% of shares). Before that, it was controlled by Mr Kuldep Singh Nahal.
Who runs Personal Financial Matters?
Companies House lists one director of Personal Financial Matters: Babita Nahal.
How long has Personal Financial Matters been in business?
The company was formed on 1 September 2008.
What do Personal Financial Matters’ latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £5,356 (−23% from £6,918).

Sources and links

The full report on Personal Financial Matters Ltd

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