Serene Advice Ltd

Reference number: 954315

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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

HL Partnership Limited Reference number: 303397 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.
  • Serene Advice Ltd (FRN 954315) is an AR of HL Partnership Limited (FRN 303397). When you use Serene Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Serene Advice, 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 sereneltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 07828 922040 is
  • Who else gives the postcode TS18 5EY
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Other names (1)

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

  • Serene Financial Planning Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
13371549
Company status
Active
Company type
Private limited company
Incorporated
3 May 2021 (5 years old)
Registered office
86 Darlington Road, Hartburn, Stockton On Tees, TS18 5EY, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Caroline Mcculloch Director Jun 1980 3 May 2021 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 March 2026Micro-entity accountsNot audited

Net assets

£2,500

Up £2,391 from £109

Employees (average)

1

Same as 1

Owed within a year

£559

−67% from £1,706

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 13371549. 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

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

2021

2 September 2021

  • Changed its registered name from "Serene Financial Planning Ltd"

FCA register

7 July 2021

  • Became an appointed representative

FCA register

3 May 2021

  • Incorporated at Companies House
  • Caroline McCulloch took control (75–100% of shares)
  • Caroline McCulloch appointed as a director

Companies House

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

Firms like Serene Advice

Other firms of the same type (mortgage adviser or broker), nearest first.

In Stockton-on-Tees

Angela OwensStockton-On-TeesAppointed representativeArdent Mortgage SolutionsStockton-on-TeesAppointed representativeCallander Mortgage Solutions LtdStockton-on-TeesAppointed representativeCarol Mitchell Financial Services LimitedStockton-On-TeesAppointed representativeCorrie SpashettStockton-on-TeesAppointed representativeEmma HoltStockton-on-TeesAppointed 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 Serene Advice

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
  • 5 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Serene Advice Ltd FCA authorised?
Serene Advice Ltd (FRN 954315) 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 Serene Advice?
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. Serene Advice Ltd (FRN 954315) is an AR of HL Partnership Limited (FRN 303397). When you use Serene Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Serene Advice, 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 Serene Advice’s phone number and website?
The FCA register lists the phone number 07828 922040 and the website sereneltd.co.uk for Serene Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Serene Advice a scam or clone?
Serene Advice 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 Serene Advice?
Protection works through HL Partnership Limited, the principal firm responsible for Serene Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Serene Advice?
Companies House lists one person with significant control of Serene Advice: Mrs Caroline McCulloch (75–100% of shares).
Who runs Serene Advice?
Companies House lists one director of Serene Advice: Caroline McCulloch.
How long has Serene Advice been in business?
The company was formed on 3 May 2021.
What do Serene Advice’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £2,500 (up £2,391 from £109).
Does Serene Advice use any other names?
It has previously used the name Serene Financial Planning Ltd.

Sources and links

The full report on Serene Advice Ltd

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