Plan4You Ltd

Reference number: 740372

Instant download

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 Limited Reference number: 497604 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.
  • Plan4You Ltd (FRN 740372) is an AR of Quilter Financial Limited (FRN 497604). When you use Plan4You's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Plan4You, 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 plan4you.co.uk first appeared online, and whether it can receive email
  • What kind of line 01707 471122 is
  • Who else gives the postcode AL9 5BL
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial 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
09937589
Company status
Active
Company type
Private limited company
Incorporated
6 January 2016 (10 years old)
Registered office
Waterdale Cottage, Chequers Lane, Watford, Hertfordshire, WD25 0GN, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Daren John Baynes Director Dec 1968 6 Jan 2016 1 other company

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
closed down
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
Instant PDF download

Filed accounts and finances

Year to 31 January 2026Abridged accountsNot audited

Net assets

£54.8k

+60% from £34.3k

Employees (average)

2

Same as 2

Owed within a year

£49.0k

+93% from £25.4k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 09937589. 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

Plan4You’s history from the FCA register and Companies House, newest first.

2016

28 December 2016

  • Daren John Baynes took control (75–100% of shares)

Companies House

15 March 2016

  • Became an appointed representative

FCA register

6 January 2016

  • Incorporated at Companies House
  • Daren John Baynes appointed as a director

Companies House

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

Firms connected to Plan4You

Other FCA-listed firms that share a director, phone number or address with Plan4You. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Plan4You

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

In Hatfield

Law Capital Wealth LtdHatfieldAppointed representativeNaomi HaynesHatfieldAppointed representativeStrategy Financial LimitedHatfieldAppointed representativeOne Life Wealth Planning LtdHatfieldAuthorisedSouth Herts Financial Services LtdHatfieldAuthorised

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 Plan4You

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
  • 7 years of accounts, charted
  • All 4 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Plan4You Ltd FCA authorised?
Plan4You Ltd (FRN 740372) 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 Plan4You?
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. Plan4You Ltd (FRN 740372) is an AR of Quilter Financial Limited (FRN 497604). When you use Plan4You's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Plan4You, 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 Plan4You’s phone number and website?
The FCA register lists the phone number 01707 471122 and the website plan4you.co.uk for Plan4You. If you were given different contact details, use these to check with the firm before going any further.
Is Plan4You a scam or clone?
Plan4You 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 Plan4You?
Protection works through Quilter Financial Limited, the principal firm responsible for Plan4You's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Plan4You?
Companies House lists one person with significant control of Plan4You: Mr Daren John Baynes (75–100% of shares).
Who runs Plan4You?
Companies House lists one director of Plan4You: Daren John Baynes.
How long has Plan4You been in business?
The company was formed on 6 January 2016.
What do Plan4You’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £54.8k (+60% from £34.3k).

Sources and links

The full report on Plan4You Ltd

£19.99 · Instant PDF download

Loading secure checkout…