Sn Financial Services Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 22 years
Your funds are protected by FSCS
No FCA actions
Active company since 2003
Accounts filed up to 28 February 2026

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.

Website

snfinancial.co.uk (opens in a new tab)
Phone number

01905 779697
Address

5 Saltway, Droitwich, Worcestershire, WR9 8LB, United Kingdom

In the full report: 3 background checks

When snfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01905 779697 is
Who else gives the postcode WR9 8LB

Other names (3)

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

SN Financial Trading name: A name it trades under now.
Jane Newman Financial Planning Former trading name: A name it used to trade under.
The Mortgage Shop by SN Former trading name: A name it used to trade under.

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 (10 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 regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
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: 04906363 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 September 2003 (23 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Samantha Ann Neale	Director	Apr 1968	21 Sep 2003	1 other company
Stuart Ian Neale	Director	Apr 1972	21 Sep 2003	1 other company
Justin Neale	Director	Mar 1975	31 Jan 2019	2 other companies
Samantha Ann Neale	Secretary	Not published	21 Sep 2003	1 other company

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: 2
closed down: 1
run together: 1

In the full report: all 2 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
The 1 company these 3 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 28 February 2026Full accountsNot audited

Net assets

£237k

+28% from £186k

Cash at bank

£144k

+33% from £108k

Owed within a year

£191k

+24% from £154k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, over every year
Every filed figure, year by year

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 04906363. 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

Sn Financial Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (16)

2016

12 July 2016

Samantha Ann Neale became a part-owner (25–50% of shares)
Stuart Ian Neale became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2004

15 March 2004

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

2003

21 September 2003

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (6 shown here)
Every director appointment and resignation: 3

Firms like Sn Financial Services

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

In Droitwich

Arden Associates (IFA) LLPDroitwichAuthorised Hawthorn Wealth Management LtdDroitwichAppointed representative Little Green Owl Financial Planning LtdDroitwichAppointed representative Oakley Independent Advisers LimitedDroitwichAppointed representative Paladin Financial Consultancy LimitedDroitwichAppointed representative Jane Newman Financial Planning LimitedDroitwichAuthorised

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 Sn Financial Services

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

2 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 16 events in its history

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Frequently asked questions about this firm

Is Sn Financial Services Limited FCA authorised?

Yes, Sn Financial Services Limited (FRN 231014) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2004 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Sn Financial Services’ phone number and website?

The FCA register lists the phone number 01905 779697 and the website snfinancial.co.uk for Sn Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Sn Financial Services a scam or clone?

Sn Financial Services 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 Sn Financial Services?

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 Sn Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Sn Financial Services?

Companies House lists 2 people with significant control of Sn Financial Services: Mr Stuart Ian Neale (25–50% of shares) and Mrs Samantha Ann Neale (25–50% of shares).

Who runs Sn Financial Services?

Companies House lists 3 directors of Sn Financial Services: Samantha Ann Neale, Stuart Ian Neale and Justin Neale.

How long has Sn Financial Services been in business?

The company was formed on 21 September 2003, and has held its current FCA authorisation since March 2004.

What do Sn Financial Services’ latest accounts show?

Its latest accounts, to 28 February 2026, show net assets of £237k (+28% from £186k) and cash at bank of £144k (+33% from £108k).

Does Sn Financial Services use any other names?

It trades as SN Financial. It has previously used 2 other names: Jane Newman Financial Planning and The Mortgage Shop by SN.