Surety Financial Planning Ltd

Reference number: 602483

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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

Sense Network Limited Reference number: 465124 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.
  • Surety Financial Planning Ltd (FRN 602483) is an AR of Sense Network Limited (FRN 465124). When you use Surety Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Surety Financial Planning, 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 suretyfp.com first appeared online, and whether it can receive email
  • What kind of line 01992 800298 is
  • Who else gives the postcode SG13 7LA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense Network 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 name
SURETY FINANCIAL PLANNING LIMITED
Company number
07325729
Company status
Active
Company type
Private limited company
Incorporated
26 July 2010 (16 years old)
Registered office
Manufactory House, Bell Lane, Hertford, Herts, SG14 1BP, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy David Plummer Director Aug 1966 26 Jul 2010 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 July 2026Small company accountsNot audited

Net assets

£127k

−69% from £413k

Cash at bank

£166k

−26% from £226k

Employees (average)

4

Same as 4

Owed within a year

£434k

+242% from £127k

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 07325729. 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

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

2016

6 April 2016

  • Timothy David Plummer took control (75–100% of shares)

Companies House

2013

12 June 2013

  • Became an appointed representative

FCA register

2010

26 July 2010

  • Incorporated at Companies House
  • Timothy David Plummer appointed as a director

Companies House

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

Firms connected to Surety Financial Planning

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Surety Financial Planning

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

In Hertford

Blue Rose Wealth LtdHertfordAppointed representativeMillwood Investments (Stanmore) LtdHertfordAppointed representativePrism Wealth (Hertford) LtdHertfordAppointed representativeTerence Lawrence Financial AssociatesHertfordAppointed representativeArbutus Wealth Management (Awm) LtdHertfordAuthorisedBarbican Independent Financial Advisors LimitedHertfordAuthorised

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 Surety Financial Planning

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
  • 7 years of accounts, charted
  • All 4 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Surety Financial Planning Ltd FCA authorised?
Surety Financial Planning Ltd (FRN 602483) 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 Surety Financial Planning?
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. Surety Financial Planning Ltd (FRN 602483) is an AR of Sense Network Limited (FRN 465124). When you use Surety Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Surety Financial Planning, 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 Surety Financial Planning’s phone number and website?
The FCA register lists the phone number 01992 800298 and the website suretyfp.com for Surety Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Surety Financial Planning a scam or clone?
Surety Financial Planning 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 Surety Financial Planning?
Protection works through Sense Network Limited, the principal firm responsible for Surety Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Surety Financial Planning?
Companies House lists one person with significant control of Surety Financial Planning: Mr Timothy David Plummer (75–100% of shares).
Who runs Surety Financial Planning?
Companies House lists one director of Surety Financial Planning: Timothy David Plummer.
How long has Surety Financial Planning been in business?
The company was formed on 26 July 2010.
What do Surety Financial Planning’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £127k (−69% from £413k) and cash at bank of £166k (−26% from £226k).

Sources and links

The full report on Surety Financial Planning Ltd

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