Pharon Independent Financial Advisers Limited
Reference number: 138169
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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.
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Phone number
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Address
Lawrence House, Summer Hill, Canterbury, Kent, CT2 8GT, United Kingdom
In the full report: 3 background checks
- When pharon.co.uk first appeared online, and whether it can receive email
- What kind of line 01227 819824 is
- Who else gives the postcode CT2 8GT
Other names (2)
If you were contacted under any of these names, it is this firm.
- Pharon Insurance Brokers (Life and Pensions) Limited Former name: A name it was registered under before.
- Pharos Insurance Brokers (Life & Pensions) Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Hold or safeguard your money · Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Sell or arrange insurance FSCS may applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on P2P agreements
- Advising on Pension Transfers and Pension Opt Outs
- Arranging (bringing about) deals in investments
- Arranging safeguarding and administration of assets
- Assisting in the administration and performance of a contract of insurance
- Making arrangements with a view to transactions in investments
- Safeguarding and administration of assets (without arranging)
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
- 01105564 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 2 April 1973 (53 years old)
- Registered office
- Lawrence House Summer Hill, Harbledown, Canterbury, Kent, CT2 8GT, United Kingdom
- Nature of business
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- Life insurance (SIC 65110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicholas David O'Shea | Director | May 1973 | 18 Feb 2003 | 7 other companies |
| Elizabeth Evelyn Rule | Director | May 1971 | 18 Feb 2003 | 2 other companies |
| Robert James Cragg | Director | Sep 1983 | 4 Feb 2020 | 3 other companies |
| Thomas David Barnett | Director | Jul 1985 | 24 Nov 2025 | 9 other companies |
| Caroline Michelle Hawkesley | Director | Apr 1974 | 21 Apr 2026 | 19 other companies |
| Raj Ladwa | Director | Nov 1977 | 7 Jul 2026 | 1 other company |
Other companies run by these 6 directors
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 companies
- 34
- closed down
- 7
- are FCA-registered
- 5
In the full report: all 34 companies, named
- What each company does, and whether it is still trading
- Which of these 6 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 5 on the FCA register
- The 3 companies these 6 directors run together
- All 14 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£6.41m
+7.6% from £5.96m
Profit before tax
£2.27m
−8.6% from £2.48m
Net assets
£6.47m
+36% from £4.76m
Cash at bank
£3.29m
−20% from £4.09m
Turnover and profit
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- Both charts, over every year
- Every filed figure, year by year
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.
Accounts filed at Companies House for company 01105564. 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
Pharon Independent Financial Advisers’s history from the FCA register and Companies House, newest first.
2025
24 November 2025
- Andrew Keith O'Shea stopped being a part-owner
- Craven Street Wealth Limited took control (75–100% of shares)
- Nicholas David O'Shea stopped being a part-owner
Companies House
2023
7 August 2023
- Andrew Keith O'Shea became a part-owner (25–50% of shares)
- Claire Naomi O'Shea stopped being a part-owner
- Nicholas David O'Shea became a part-owner (25–50% of shares)
Companies House
2021
30 August 2021
- Roger Keith O'Shea stopped being a part-owner
Companies House
2016
30 April 2016
- Claire Naomi O'Shea became a part-owner (25–50% of shares)
- Roger Keith O'Shea became a part-owner (25–50% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2001
1 December 2001
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
19 February 2001
- Changed its registered name from "Pharon Insurance Brokers (Life and Pensions) Limited"
FCA register
1994
18 July 1994
- Regulated by the Personal Investment Authority from this date
FCA register
5 April 1994
- Changed its registered name from "Pharos Insurance Brokers (Life & Pensions) Limited"
FCA register
1973
2 April 1973
- Incorporated at Companies House
Companies House
In the full report: all 38 events
- All 38 events in its history (16 shown here)
- Every director appointment and resignation: 19
Firms connected to Pharon Independent Financial Advisers
Other FCA-listed firms that share a director, phone number or address with Pharon Independent Financial Advisers. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- share its postcode
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2), the same postcode (1)
- Who links each one: the named directors, with dates
- 3 past links through former directors
Firms like Pharon Independent Financial Advisers
Other firms of the same type (investment platform or stockbroker), nearest first.
Elsewhere in the UK
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 Pharon Independent Financial Advisers
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 34 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 38 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk