Prudent IFA's Limited

Reference number: 802019

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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

The Whitechurch Network Limited Reference number: 190859 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.
  • Prudent IFA's Limited (FRN 802019) is an AR of The Whitechurch Network Limited (FRN 190859). When you use Prudent IFA's's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Prudent IFA's, 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.

  • No website on the FCA register

  • Phone number

    0800 043 9063

  • Address

    29 Alwyn Road, Bilton, Rugby, Warwickshire, CV22 7QU, United Kingdom

In the full report: 2 background checks

  • What kind of line 0800 043 9063 is
  • Who else gives the postcode CV22 7QU
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Other names (1)

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

  • Prudent Financial Planning Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Whitechurch Network 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
11079789
Company status
Active
Company type
Private limited company
Incorporated
23 November 2017 (8 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Paul Walsh Director Aug 1963 23 Nov 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

£12.8k

−37% from £20.2k

Employees (average)

1

Same as 1

Owed within a year

£10.3k

−47% from £19.3k

Assets and liabilities

In the full report: all 7 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11079789. 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

Prudent IFA's’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2018

16 February 2018

  • Became an appointed representative

FCA register

2017

23 November 2017

  • Incorporated at Companies House
  • John Paul Walsh took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 3
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Firms like Prudent IFA's

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

In Rugby

Cygnus Financial Planning LtdRugbyAppointed representativeLifeline Protect LimitedRugbyAppointed representativeMidland Financial Planning LimitedRugbyAppointed representativeMiller Financial Planning LtdRugbyAppointed representativePaul NuttallRugbyAppointed representativePKS Associates Financial Services LtdRugbyAppointed 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 Prudent IFA's

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is Prudent IFA's Limited FCA authorised?
Prudent IFA's Limited (FRN 802019) 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 Prudent IFA's?
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. Prudent IFA's Limited (FRN 802019) is an AR of The Whitechurch Network Limited (FRN 190859). When you use Prudent IFA's's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Prudent IFA's, 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 Prudent IFA's’ phone number?
The FCA register lists the phone number 0800 043 9063 for Prudent IFA's. If you were given different contact details, use these to check with the firm before going any further.
Is Prudent IFA's a scam or clone?
Prudent IFA's 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 Prudent IFA's?
Protection works through The Whitechurch Network Limited, the principal firm responsible for Prudent IFA's's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Prudent IFA's?
Companies House lists one person with significant control of Prudent IFA's: Mr John Paul Walsh (75–100% of shares).
Who runs Prudent IFA's?
Companies House lists one director of Prudent IFA's: John Paul Walsh.
How long has Prudent IFA's been in business?
The company was formed on 23 November 2017.
What do Prudent IFA's’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £12.8k (−37% from £20.2k).
Does Prudent IFA's use any other names?
It trades as Prudent Financial Planning.

Sources and links

The full report on Prudent IFA's Limited

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