Sense Financial Solutions Limited

Reference number: 616273

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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 itmakessense.net first appeared online, and whether it can receive email
  • What kind of line 07802 637178 is
  • Who else gives the postcode NG16 5JB
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
05313395
Company status
Active
Company type
Private limited company
Incorporated
15 December 2004 (21 years old)
Registered office
The Hawthornes 217 Main Road, Westwood, Nottinghamshire, NG16 5JB, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Karl Anthony Guadagnini Director Mar 1965 15 Dec 2004 None
Neil James Marshall Director Apr 1966 15 Dec 2004 None
Neil James Marshall Secretary Not published 15 Dec 2004 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 5 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£262k

+4.3% from £251k

Cash at bank

£387k

+9.5% from £353k

Owed within a year

£141k

+18% from £119k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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.

Accounts filed at Companies House for company 05313395. 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

Sense Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (7) All events (17)

2024

30 April 2024

  • Nicholas Manders no longer holds 25–50% of the votes

Companies House

2016

6 April 2016

  • Karl Anthony Guadagnini gained 25–50% of the votes
  • Neil James Marshall gained 25–50% of the votes
  • Nicholas Manders gained 25–50% of the votes

Companies House

2014

1 September 2014

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

FCA register

2004

15 December 2004

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (7 shown here)
  • Every director appointment and resignation: 8
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Firms like Sense Financial Solutions

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

In Nottingham

AVA Wealth LtdNottinghamAuthorisedBalance: Wealth Planning LimitedNottinghamAuthorisedBEST Wealth Management LtdNottinghamSee the registerBlowfish Financial Services LimitedNottinghamAuthorisedBlueJay Financial Planning LtdNottinghamAuthorisedBradstock Bourne LimitedNottinghamAuthorised

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 Sense Financial Solutions

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
  • 4 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Sense Financial Solutions Limited FCA authorised?
Yes, Sense Financial Solutions Limited (FRN 616273) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2014 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Sense Financial Solutions’ phone number and website?
The FCA register lists the phone number 07802 637178 and the website itmakessense.net for Sense Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Sense Financial Solutions a scam or clone?
Sense Financial Solutions 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 Sense Financial Solutions?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Sense Financial Solutions to the Financial Ombudsman Service, free of charge.
Who owns Sense Financial Solutions?
Companies House lists 2 people with significant control of Sense Financial Solutions: Neil James Marshall (25–50% of votes) and Karl Anthony Guadagnini (25–50% of votes). Before that, it was controlled by Nicholas Manders.
Who runs Sense Financial Solutions?
Companies House lists 2 directors of Sense Financial Solutions: Karl Anthony Guadagnini and Neil James Marshall.
How long has Sense Financial Solutions been in business?
The company was formed on 15 December 2004, and has held its current FCA authorisation since September 2014.
What do Sense Financial Solutions’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £262k (+4.3% from £251k) and cash at bank of £387k (+9.5% from £353k).

Sources and links

The full report on Sense Financial Solutions Limited

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