Struan Financial Management Limited

Reference number: 435492

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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, 1 thing worth a closer look

  • When struanfm.co.uk first appeared online, and whether it can receive email
  • What kind of line 01425 483266 is
  • Who else gives the postcode BH24 2EQ
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Other names (2)

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

  • Struan Trading name
  • C&M Financial Services Ltd Former name

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 (9 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • 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
05542744
Company status
Active
Company type
Private limited company
Incorporated
22 August 2005 (21 years old)
Registered office
6 Struan Gardens, Ashley Heath, Ringwood, Hampshire, BH24 2EQ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Delaforce Musselwhite Director Jan 1970 22 Aug 2005 2 other companies
Deborah Anne Rogers Director Sep 1960 1 Apr 2012 1 other company
Rachael Ann Musselwhite Secretary Not published 22 Aug 2005 –

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
3
closed down
1
is FCA-registered
1

In the full report: all 3 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 one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£19.1k

−56% from £43.5k

Employees (average)

2

Same as 2

Owed within a year

£48.7k

−26% from £65.8k

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
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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 05542744. 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

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

Key events (6) All events (15)

2016

6 April 2016

  • Nicholas Delaforce Musselwhite gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

10 October 2005

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

FCA register

9 September 2005

  • Changed its registered name from "C&M Financial Services Ltd"

FCA register

22 August 2005

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Struan Financial Management

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Struan Financial Management

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

In Ringwood

Hv Financial Planning LimitedRingwoodAuthorisedBirch Financial Services LtdRingwoodAppointed representativeRichard TaylorRingwoodAppointed 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 Struan Financial Management

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 15 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Struan Financial Management Limited FCA authorised?
Yes, Struan Financial Management Limited (FRN 435492) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Struan Financial Management’s phone number and website?
The FCA register lists the phone number 01425 483266 and the website struanfm.co.uk for Struan Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Struan Financial Management a scam or clone?
Struan Financial Management 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 Struan Financial Management?
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 Struan Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Struan Financial Management?
Companies House lists one person with significant control of Struan Financial Management: Mr Nicholas Delaforce Musselwhite (significant influence or control).
Who runs Struan Financial Management?
Companies House lists 2 directors of Struan Financial Management: Nicholas Delaforce Musselwhite and Deborah Anne Rogers.
How long has Struan Financial Management been in business?
The company was formed on 22 August 2005, and has held its current FCA authorisation since October 2005.
What do Struan Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £19.1k (−56% from £43.5k).
Does Struan Financial Management use any other names?
It trades as Struan. It has previously used the name C&M Financial Services Ltd.

Sources and links

The full report on Struan Financial Management Limited

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