Stem Financial Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 5 years
Your funds are protected by FSCS
No FCA actions
Active company since 2015
Accounts filed up to 31 January 2026
1 thing worth a closer look in the background checks

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

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

01452 470500
Address

Dunstalls Farm, Arlingham Road, Saul, Gloucester, Gloucestershire, GL2 7JE, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When stemfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01452 470500 is
Who else gives the postcode GL2 7JE

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.
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 (5 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on Pension Transfers and Pension Opt Outs
Arranging (bringing about) deals in investments
Debt-counselling
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: 09400427 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 January 2015 (11 years old)
Registered office: 23-25 Foxes Bridge Road, Forest Vale Industrial Estate, Cinderford, GL14 2PQ, England
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Benjamin Baldwin	Director	May 1981	21 Jan 2015	2 other companies
Gemma Ruth Baldwin	Director	Sep 1983	1 Feb 2016	2 other companies
Benjamin Baldwin	Secretary	Not published	1 Feb 2016	–

Other companies run by these 2 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: 2
run together: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 companies these 2 directors run together

Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£30.3k

+17% from £25.8k

Employees (average)

4

Same as 4

Owed within a year

£29.4k

−21% from £37.0k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09400427. 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

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

Key events (5) All events (9)

2021

1 July 2021

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

FCA register

2016

6 April 2016

Benjamin Baldwin became a part-owner (25–50% of shares)
Gemma Ruth Baldwin became a part-owner (25–50% of shares)

Companies House

2015

21 January 2015

Incorporated at Companies House

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms connected to Stem Financial

Other FCA-listed firms that share a director, phone number or address with Stem Financial. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Stem Financial

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

In Gloucester

Ecclesiastical Financial Advisory Services LimitedGloucesterAuthorised Brunsdon Financial Services LimitedGloucesterAuthorised Caple Banks LimitedGloucesterAuthorised Chase Financial Management LimitedGloucesterAuthorised Elite Financial Planning LimitedGloucesterAuthorised Key 2 Financial Solutions LimitedGloucesterAuthorised

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 Stem Financial

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, 1 flagged
7 years of accounts, charted
All 9 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Stem Financial Ltd FCA authorised?

Yes, Stem Financial Ltd (FRN 942874) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2021 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Stem Financial’s phone number and website?

The FCA register lists the phone number 01452 470500 and the website stemfinancial.co.uk for Stem Financial. If you were given different contact details, use these to check with the firm before going any further.

Is Stem Financial a scam or clone?

Stem Financial 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 Stem Financial?

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 Stem Financial to the Financial Ombudsman Service, free of charge.

Who owns Stem Financial?

Companies House lists 2 people with significant control of Stem Financial: Mr Benjamin Baldwin (25–50% of shares) and Mrs Gemma Ruth Baldwin (25–50% of shares).

Who runs Stem Financial?

Companies House lists 2 directors of Stem Financial: Benjamin Baldwin and Gemma Ruth Baldwin.

How long has Stem Financial been in business?

The company was formed on 21 January 2015, and has held its current FCA authorisation since July 2021.

What do Stem Financial’s latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of £30.3k (+17% from £25.8k).