Tandem Financial Ltd

Reference number: 726448

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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

  • When tandemfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01438 879262 is
  • Who else gives the postcode SG4 8JD
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Other names (1)

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

  • Tandem Trading 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.
  • 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 (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Credit Broking
  • 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
09778504
Company status
Active
Company type
Private limited company
Incorporated
15 September 2015 (11 years old)
Registered office
The Barn, Green Farm, Bendish, Hitchin, SG4 8JD, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Alison Cleworth Director Jun 1977 15 Sep 2015 3 other companies
Paul Anthony Cleworth Director Sep 1976 15 Sep 2015 6 other companies

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
6
closed down
2
is FCA-registered
1

In the full report: all 6 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
  • The 3 companies these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£940k

−16% from £1.12m

Cash at bank

£215k

−49% from £423k

Employees (average)

7

Same as 7

Owed within a year

£230k

+20% from £191k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • 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 09778504. 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

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

Key events (5) All events (11)

2017

27 January 2017

  • Alison Cleworth became a part-owner (25–50% of shares)

Companies House

2016

3 May 2016

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

FCA register

6 April 2016

  • Paul Anthony Cleworth became the majority owner (50–75% of shares)

Companies House

2015

15 September 2015

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Tandem Financial

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Tandem Financial

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

In Hitchin

Consilium Financial Planning LimitedHitchinAuthorisedCranbourne Financial LimitedHitchinAuthorisedGMT Financial Solutions LimitedHitchinAuthorisedHilborne House LtdHitchinAuthorisedKamal UddinHitchinAuthorisedLytton Financial LimitedHitchinAuthorised

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 Tandem Financial

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Tandem Financial Ltd FCA authorised?
Yes, Tandem Financial Ltd (FRN 726448) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Tandem Financial’s phone number and website?
The FCA register lists the phone number 01438 879262 and the website tandemfinancial.co.uk for Tandem Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Tandem Financial a scam or clone?
Tandem 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 Tandem 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 Tandem Financial to the Financial Ombudsman Service, free of charge.
Who owns Tandem Financial?
Companies House lists 2 people with significant control of Tandem Financial: Mr Paul Anthony Cleworth (50–75% of shares) and Mrs Alison Cleworth (25–50% of shares).
Who runs Tandem Financial?
Companies House lists 2 directors of Tandem Financial: Alison Cleworth and Paul Anthony Cleworth.
How long has Tandem Financial been in business?
The company was formed on 15 September 2015, and has held its current FCA authorisation since May 2016.
What do Tandem Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £940k (−16% from £1.12m) and cash at bank of £215k (−49% from £423k).
Does Tandem Financial use any other names?
It trades as Tandem.

Sources and links

The full report on Tandem Financial Ltd

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