Reef Financial Consulting Ltd

Reference number: 707372

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Reef Financial Consulting Ltd (FRN 707372) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Reef Financial Consulting's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Reef Financial Consulting, 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 reeffc.com first appeared online, and whether it can receive email
  • What kind of line 01732 753344 is
  • Who else gives the postcode ME19 4YU
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Other names (1)

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

  • Reef Financial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
09599140
Company status
Active
Company type
Private limited company
Incorporated
19 May 2015 (11 years old)
Registered office
Suite 8 80 Churchill Square, Kings Hill, West Malling, ME19 4YU, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
David Spencer Hurring Director Jun 1968 19 May 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£4,647

−58% from £11.1k

Cash at bank

£5,698

+2.9% from £5,540

Employees (average)

1

−50% from 2

Owed within a year

£24.3k

−20% from £30.5k

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 09599140. 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

Reef Financial Consulting’s history from the FCA register and Companies House, newest first.

2017

27 January 2017

  • Began trading as "Reef Financial"

FCA register

2016

19 May 2016

  • David Spencer Hurring took control (75–100% of shares)

Companies House

2015

19 June 2015

  • Became an appointed representative

FCA register

19 May 2015

  • Incorporated at Companies House
  • David Spencer Hurring appointed as a director

Companies House

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

Firms like Reef Financial Consulting

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

In the Medway (ME) postcode area

Barons Autostar LimitedMaidstoneAppointed representativeBeadles Coulsdon LtdMaidstoneAppointed representativeBeadles Dartford LtdMaidstoneAppointed representativeBeadles Maidstone LtdMaidstoneAppointed representativeBeadles Medway LtdMaidstoneAppointed representativeBeadles Sidcup LtdMaidstoneAppointed 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 Reef Financial Consulting

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Reef Financial Consulting Ltd FCA authorised?
Reef Financial Consulting Ltd (FRN 707372) 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 Reef Financial Consulting?
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. Reef Financial Consulting Ltd (FRN 707372) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Reef Financial Consulting's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Reef Financial Consulting, 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 Reef Financial Consulting’s phone number and website?
The FCA register lists the phone number 01732 753344 and the website reeffc.com for Reef Financial Consulting. If you were given different contact details, use these to check with the firm before going any further.
Is Reef Financial Consulting a scam or clone?
Reef Financial Consulting 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 Reef Financial Consulting?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Reef Financial Consulting's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Reef Financial Consulting?
Companies House lists one person with significant control of Reef Financial Consulting: Mr David Spencer Hurring (75–100% of shares).
Who runs Reef Financial Consulting?
Companies House lists one director of Reef Financial Consulting: David Spencer Hurring.
How long has Reef Financial Consulting been in business?
The company was formed on 19 May 2015.
What do Reef Financial Consulting’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £4,647 (−58% from £11.1k) and cash at bank of £5,698 (+2.9% from £5,540).
Does Reef Financial Consulting use any other names?
It trades as Reef Financial.

Sources and links

The full report on Reef Financial Consulting Ltd

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