SDWM25 Ltd
Reference number: 1041311
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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.
- Appointed for 1 year
- Protected through the principal
- No FCA actions
- Active company since 2025
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £33.6k more than it owned
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- SDWM25 Ltd (FRN 1041311) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use SDWM25's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from SDWM25, 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.
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Phone number
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Address
Mereworth Business Centre, Danns Lane, Wateringbury, Maidstone, Kent, ME18 5LW, United Kingdom
In the full report: 3 background checks
- When seandownswealthmanagement.co.uk first appeared online, and whether it can receive email
- What kind of line 01622 682311 is
- Who else gives the postcode ME18 5LW
Other names (1)
If you were contacted under any of these names, it is this firm.
- Sean Downs Wealth Management Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 16632561 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 August 2025 (1 year old)
- Registered office
- Sdwm25 Sean Downs Wealth Management, Mereworth Business Centre, Danns Lane, Wateringbury, Kent, ME18 5LW, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Barry John Almond | Director | Jul 1977 | 6 Aug 2025 | 3 other companies |
| Jamie Widdis | Director | Sep 1976 | 6 Aug 2025 | None |
| Sean Downs | Director | Jul 1973 | 16 Oct 2025 | 3 other companies |
Other companies run by these 3 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
- 6
- closed down
- 5
- still active
- 1
In the full report: all 6 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
−£33.6k
No earlier figure to compare
Cash at bank
£142k
No earlier figure to compare
Employees (average)
16
No earlier figure to compare
Owed within a year
£491k
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £33.6k more than it owned.
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 16632561. 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
Sdwm25’s history from the FCA register and Companies House, newest first.
2025
16 October 2025
- Sean Downs became the majority owner (50–75% of shares)
Companies House
15 September 2025
- Became an appointed representative
FCA register
6 August 2025
- Incorporated at Companies House
- Barry John Almond gained significant control
- Jamie Widdis gained significant control
Companies House
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms like Sdwm25
Other firms of the same type (financial adviser), nearest first.
In Maidstone
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 Sdwm25
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 3 background checks on its contact details
- All 9 events in its history
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Frequently asked questions about this firm
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Who owns Sdwm25?
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How long has Sdwm25 been in business?
What do Sdwm25’s latest accounts show?
Does Sdwm25 use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk