PFD Financial Services Ltd

Reference number: 149447

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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.
  • PFD Financial Services Ltd (FRN 149447) is an AR of Quilter Financial Services Limited (FRN 440703). When you use PFD Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PFD Financial Services, 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 pfdfinancial.com first appeared online, and whether it can receive email
  • What kind of line 01959 701704 is
  • Who else gives the postcode TN16 3UX
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Other names (1)

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

  • PFD Financial Services Limited Former name

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
02643257
Company status
Active
Company type
Private limited company
Incorporated
5 September 1991 (35 years old)
Registered office
C/O Sloane & Co, Office 015, 30 Great Guildford Street, Borough, London, SE1 0HS, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Charles Horsley Director Nov 1961 Not published 1 other company
Sarah Horsley Secretary Not published 29 Jun 1998 –

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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2025Small company accountsNot audited

Net assets

£27.2k

+85% from £14.7k

Cash at bank

£47.8k

+20% from £39.8k

Employees (average)

4

−20% from 5

Owed within a year

£23.8k

+14% from £20.8k

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 02643257. 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

PFD Financial Services’s history from the FCA register and Companies House, newest first.

2022

15 January 2022

  • Changed its registered name from "PFD Financial Services Limited"

FCA register

2016

6 April 2016

  • Nicholas Charles Horsley became the majority owner (50–75% of shares)
  • Sarah Horsley became a part-owner (25–50% of shares)

Companies House

1998

5 January 1998

  • David Alan Dodgson resigned as a director

Companies House

1996

24 October 1996

  • David Alan Dodgson appointed as a director

Companies House

1993

29 September 1993

  • Became an appointed representative

FCA register

1991

5 September 1991

  • Incorporated at Companies House

Companies House

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

Firms like PFD Financial Services

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

In Westerham

Darien Williams Wealth Management LtdWesterhamAppointed representativeFinli (Westerham) LLPWesterhamAppointed representativeHuke Wealth Management LtdWesterhamAppointed representativeKaren Sandra WilliamsWesterhamAppointed representativeMaria KyritsisWesterhamAppointed representativeHeritage Wealth Planning LtdWesterhamAppointed 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 PFD Financial Services

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 7 events in its history

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Frequently asked questions about this firm

Is PFD Financial Services Ltd FCA authorised?
PFD Financial Services Ltd (FRN 149447) 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 PFD Financial Services?
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. PFD Financial Services Ltd (FRN 149447) is an AR of Quilter Financial Services Limited (FRN 440703). When you use PFD Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PFD Financial Services, 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 PFD Financial Services’ phone number and website?
The FCA register lists the phone number 01959 701704 and the website pfdfinancial.com for PFD Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is PFD Financial Services a scam or clone?
PFD Financial Services 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 PFD Financial Services?
Protection works through Quilter Financial Services Limited, the principal firm responsible for PFD Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns PFD Financial Services?
Companies House lists 2 people with significant control of PFD Financial Services: Mr Nicholas Charles Horsley (50–75% of shares) and Mrs Sarah Horsley (25–50% of shares).
Who runs PFD Financial Services?
Companies House lists one director of PFD Financial Services: Nicholas Charles Horsley.
How long has PFD Financial Services been in business?
The company was formed on 5 September 1991.
What do PFD Financial Services’ latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £27.2k (+85% from £14.7k) and cash at bank of £47.8k (+20% from £39.8k).
Does PFD Financial Services use any other names?
It has previously used the name PFD Financial Services Limited.

Sources and links

The full report on PFD Financial Services Ltd

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