Plan with Grace Limited

Reference number: 961832

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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 funeralswithgrace.com first appeared online, and whether it can receive email
  • What kind of line 0800 471 4689 is
  • Who else gives the postcode SW1V 1PX
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Other names (2)

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

  • Funerals with Grace Trading name
  • With Grace Trading name

FCA permissions and consumer protection

  • Funeral plans FSCS may apply
    Funeral plans are FSCS protected. If the provider fails, the FSCS can arrange for your plan to be honoured or pay compensation.
  • 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
09777885
Company status
Active
Company type
Private limited company
Incorporated
15 September 2015 (11 years old)
Registered office
Thomas House, 84 Eccleston Square, London, SW1V 1PX, England
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Charles Arnold Rogers Director Jul 1967 15 Sep 2015 11 other companies
Philip Stuart Richardson Director Mar 1969 30 Jun 2023 None
Hugh Jackson Secretary Not published 17 May 2017 –

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
11
closed down
5
still active
6

In the full report: all 11 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
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Group accountsNot audited

Net assets

£2.97m

+609% from £419k

Cash at bank

£254k

−16% from £302k

Owed within a year

£2.91m

−70% from £9.75m

No turnover or profit for the year to 30 September 2025: the accounts print them but do not tag them. The last tagged figures are £3.94m turnover and −£99.9k profit, for the year to 30 September 2023.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 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.

Figures from the year to 30 September 2022 are for the group: the company and the businesses it owns. Earlier years are the company’s own accounts, from before it had a group.

The figures for the year to 30 September 2025 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

Accounts filed at Companies House for company 09777885. 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

Plan with Grace’s history from the FCA register and Companies House, newest first.

Key events (10) All events (25)

2023

17 July 2023

  • Philip Stuart Richardson became a part-owner (25–50% of shares)

Companies House

2022

7 September 2022

  • Philip Stuart Richardson no longer has significant control

Companies House

29 July 2022

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2021

29 September 2021

  • C.P.J. Field & Co. Limited stopped being a part-owner
  • Philip Stuart Richardson gained significant control

Companies House

2017

19 April 2017

  • Charles Arnold Rogers stopped being a part-owner

Companies House

2016

6 April 2016

  • C.P.J. Field & Co. Limited became a part-owner (25–50% of shares)
  • Charles Arnold Rogers became a part-owner (25–50% of shares)

Companies House

2015

15 September 2015

  • Incorporated at Companies House

Companies House

In the full report: all 25 events

  • All 25 events in its history (10 shown here)
  • Every director appointment and resignation: 12
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Firms like Plan with Grace

Other firms of the same type (funeral plan provider), nearest first.

In London

F.a. Albin & Sons LimitedLondonAuthorised

Elsewhere in the UK

Co-op Funeral Plans LimitedManchesterAuthorisedCentral England Co-operative Funeral Plans LimitedLichfieldAuthorisedDistinct Funeral Plans LimitedCannockAuthorisedEcclesiastical Planning Services LimitedGloucesterAuthorisedM&F Funeral Services LimitedMusselburghAuthorised

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 Plan with Grace

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 25 events in its history

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Frequently asked questions about this firm

Is Plan with Grace Limited FCA authorised?
Yes, Plan with Grace Limited (FRN 961832) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2022 and works as a funeral plan provider. The FCA has placed no limits on its permissions.
What is Plan with Grace’s phone number and website?
The FCA register lists the phone number 0800 471 4689 and the website funeralswithgrace.com for Plan with Grace. If you were given different contact details, use these to check with the firm before going any further.
Is Plan with Grace a scam or clone?
Plan with Grace 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 Plan with Grace?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Plan with Grace to the Financial Ombudsman Service, free of charge.
Who owns Plan with Grace?
Companies House lists one person with significant control of Plan with Grace: Mr Philip Stuart Richardson (25–50% of shares). Before that, it was controlled by C.P.J. Field & Co. Limited and Mr Charles Arnold Rogers.
Who runs Plan with Grace?
Companies House lists 2 directors of Plan with Grace: Charles Arnold Rogers and Philip Stuart Richardson.
How long has Plan with Grace been in business?
The company was formed on 15 September 2015, and has held its current FCA authorisation since July 2022.
What do Plan with Grace’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £2.97m (+609% from £419k) and cash at bank of £254k (−16% from £302k).
Does Plan with Grace use any other names?
It trades as Funerals with Grace and With Grace.

Sources and links

The full report on Plan with Grace Limited

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