Peter Neal Pensions LLP

Reference number: 231099

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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

The On-Line Partnership Limited Reference number: 192638 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.
  • Peter Neal Pensions LLP (FRN 231099) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Peter Neal Pensions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Peter Neal Pensions, 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

  • When peternealpensions.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8777 6777 is
  • Who else gives the postcode BR4 0JJ
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Other names (1)

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

  • Unlock Equity Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The On-Line Partnership 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
OC305023
Company status
Active
Company type
Limited liability partnership
Incorporated
8 July 2003 (23 years old)
Registered office
10 Ravenswood Crescent, West Wickham, Kent, BR4 0JJ, England

Directors and company secretaries

Name Role Born Appointed Other companies
David Neal LLP designated member Oct 1988 1 Apr 2015 None
PETER NEAL FINANCIAL PLANNING LIMITED Corporate LLP designated member Not published 1 Apr 2015 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 6 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Cash at bank

£83.3k

+10% from £75.5k

Employees (average)

3

Same as 3

Owed within a year

£28.2k

−4.3% from £29.5k

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 OC305023. 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

Peter Neal Pensions’s history from the FCA register and Companies House, newest first.

Key events (3) All events (12)

2016

6 April 2016

  • Peter Neal Financial Planning Limited took control (75–100% of shares)

Companies House

2004

19 January 2004

  • Became an appointed representative

FCA register

2003

8 July 2003

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (3 shown here)
  • Every director appointment and resignation: 7
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Firms like Peter Neal Pensions

Other firms of the same type (credit broker), nearest first.

In West Wickham

NCC South East LimitedWest WickhamAppointed representative

In the Bromley (BR) postcode area

Intrepid Financial Solutions LtdOrpingtonAppointed representativeJaimee LtdOrpingtonAppointed representativeDecon Response LimitedBeckenhamAppointed representativeSchab LimitedBromleyAppointed representativeUK Driver Training Services LtdBromleyAppointed 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 Peter Neal Pensions

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
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Peter Neal Pensions LLP FCA authorised?
Peter Neal Pensions LLP (FRN 231099) 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 Peter Neal Pensions?
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. Peter Neal Pensions LLP (FRN 231099) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Peter Neal Pensions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Peter Neal Pensions, 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 Peter Neal Pensions’ phone number and website?
The FCA register lists the phone number 020 8777 6777 and the website peternealpensions.co.uk for Peter Neal Pensions. If you were given different contact details, use these to check with the firm before going any further.
Is Peter Neal Pensions a scam or clone?
Peter Neal Pensions 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 Peter Neal Pensions?
Protection works through The On-Line Partnership Limited, the principal firm responsible for Peter Neal Pensions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Peter Neal Pensions?
Peter Neal Pensions is owned by Peter Neal Financial Planning Limited, which holds 75–100% of votes, 75–100% of surplus assets and can appoint and remove the board, since 6 April 2016.
Who runs Peter Neal Pensions?
Companies House lists 2 directors of Peter Neal Pensions: David Neal and Peter Neal Financial Planning Limited.
How long has Peter Neal Pensions been in business?
The company was formed on 8 July 2003.
What do Peter Neal Pensions’ latest accounts show?
Its latest accounts, to 31 March 2025, show cash at bank of £83.3k (+10% from £75.5k).
Does Peter Neal Pensions use any other names?
It trades as Unlock Equity.

Sources and links

The full report on Peter Neal Pensions LLP

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