Perspect Financial Planning Limited

Reference number: 955500

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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

Openwork Limited Reference number: 408285 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.
  • Perspect Financial Planning Limited (FRN 955500) is an AR of Openwork Limited (FRN 408285). When you use Perspect Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Perspect Financial Planning, 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.

  • No website on the FCA register

  • Phone number

    0141 501 0730

  • Address

    46 Denholm Street, Greenock, Inverclyde, PA16 8RJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 0141 501 0730 is
  • Who else gives the postcode PA16 8RJ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
SC699869
Company status
Active
Company type
Private limited company
Incorporated
26 May 2021 (5 years old)
Registered office
4 Royal Crescent, Glasgow, Lanarkshire, G3 7SL, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Eric Quintal Simpson Director Mar 1988 26 May 2021 None
Euan Wilson Director Dec 1979 26 May 2021 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 May 2026Small company accountsNot audited

Net assets

£103k

+17% from £88.3k

Cash at bank

£43.0k

−34% from £65.0k

Employees (average)

2

Same as 2

Owed within a year

£124k

−7.5% from £134k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 SC699869. 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

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

2021

25 July 2021

  • Became an appointed representative

FCA register

26 May 2021

  • Incorporated at Companies House
  • Eric Quintal Simpson became a part-owner (25–50% of shares)
  • Euan Wilson became the majority owner (50–75% of shares)
  • Eric Quintal simpson appointed as a director
  • Euan Wilson appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Perspect Financial Planning

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

In Greenock

CK Financial Advisory LtdGreenockAppointed representative

In the Paisley (PA) postcode area

Advanced Financial Strategies LtdPaisleyAppointed representativeArgyll Wealth Consultants LimitedLochgilpheadAppointed representativeClear Financial Planning LtdPaisleyAppointed representativeCNB Wealth Management LimitedPaisleyAppointed representativeConexus Wealth LimitedGourockAppointed 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 Perspect Financial Planning

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
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Perspect Financial Planning Limited FCA authorised?
Perspect Financial Planning Limited (FRN 955500) 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 Perspect Financial Planning?
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. Perspect Financial Planning Limited (FRN 955500) is an AR of Openwork Limited (FRN 408285). When you use Perspect Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Perspect Financial Planning, 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 Perspect Financial Planning’s phone number?
The FCA register lists the phone number 0141 501 0730 for Perspect Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Perspect Financial Planning a scam or clone?
Perspect 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 Perspect Financial Planning?
Protection works through Openwork Limited, the principal firm responsible for Perspect Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Perspect Financial Planning?
Companies House lists 2 people with significant control of Perspect Financial Planning: Mr Euan Wilson (50–75% of shares) and Mr Eric Quintal Simpson (25–50% of shares).
Who runs Perspect Financial Planning?
Companies House lists 2 directors of Perspect Financial Planning: Eric Quintal Simpson and Euan Wilson.
How long has Perspect Financial Planning been in business?
The company was formed on 26 May 2021.
What do Perspect Financial Planning’s latest accounts show?
Its latest accounts, to 31 May 2026, show net assets of £103k (+17% from £88.3k) and cash at bank of £43.0k (−34% from £65.0k).

Sources and links

The full report on Perspect Financial Planning Limited

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