Pj Financial Solutions limited

Reference number: 690293

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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.

In the full report: 3 background checks

  • When pjfinancialsolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 01544 340562 is
  • Who else gives the postcode HR3 6QH
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Other names (2)

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

  • Beacon Financial Solutions Trading name
  • Philip Jones Financial Solutions Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
08256439
Company status
Active
Company type
Private limited company
Incorporated
17 October 2012 (14 years old)
Registered office
Office 10 Broadaxe Business Park, Presteigne, Powys, LD8 2UH
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Helen Marika Jones Director Dec 1974 17 Oct 2012 None
Philip Edward Jones Director Jul 1970 17 Oct 2012 3 other companies

Other companies run by these 2 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
3
still active
3
is FCA-registered
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£52.3k

−44% from £93.5k

Employees (average)

8

Same as 8

Owed within a year

£189k

+6.8% from £177k

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 08256439. 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

Pj Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2016

14 October 2016

  • Helen Marika Jones became a part-owner (25–50% of shares)
  • Philip Edward Jones became a part-owner (25–50% of shares)

Companies House

2015

23 October 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2012

17 October 2012

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Pj Financial Solutions

Other FCA-listed firms that share a director, phone number or address with Pj Financial Solutions. A link shows who the firm is tied to, not whether either can be trusted.

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Pj Financial Solutions

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

In Hereford

Adam Siddall T/A AutoselectHerefordAuthorisedMark Edward WaringHerefordAuthorisedBeacon Associates UK LtdHerefordAppointed representativeMark BunnHerefordAppointed representativeThe Saoirse Group LtdHerefordAppointed representativeBorder Office Supplies and Systems LimitedHerefordAuthorised

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 Pj Financial Solutions

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Pj Financial Solutions limited FCA authorised?
Yes, Pj Financial Solutions limited (FRN 690293) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Pj Financial Solutions’ phone number and website?
The FCA register lists the phone number 01544 340562 and the website pjfinancialsolutions.co.uk for Pj Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Pj Financial Solutions a scam or clone?
Pj Financial Solutions 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 Pj Financial Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Pj Financial Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Pj Financial Solutions to the Financial Ombudsman Service, free of charge.
Who owns Pj Financial Solutions?
Companies House lists 2 people with significant control of Pj Financial Solutions: Mr Philip Edward Jones (25–50% of shares) and Mrs Helen Marika Jones (25–50% of shares).
Who runs Pj Financial Solutions?
Companies House lists 2 directors of Pj Financial Solutions: Helen Marika Jones and Philip Edward Jones.
How long has Pj Financial Solutions been in business?
The company was formed on 17 October 2012, and has held its current FCA authorisation since October 2015.
What do Pj Financial Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £52.3k (−44% from £93.5k).
Does Pj Financial Solutions use any other names?
It trades as Beacon Financial Solutions and Philip Jones Financial Solutions.

Sources and links

The full report on Pj Financial Solutions limited

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