The Finance Clinic Ltd

Reference number: 211729

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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.

Appointed for 24 years
Protected through the principal
No FCA actions
Active company since 2004
Accounts filed up to 31 March 2025

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
The Finance Clinic Ltd (FRN 211729) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The Finance Clinic's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from The Finance Clinic, 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.

No website on the FCA register
Phone number

01234 717171
Address

Hall Piece, Church Lane, Clifton Reynes, Olney, Bucks, MK46 5DT, United Kingdom

In the full report: 2 background checks

What kind of line 01234 717171 is
Who else gives the postcode MK46 5DT

Other names (1)

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

The Finance Clinic Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Quilter Financial Services 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: THE FINANCE CLINIC LIMITED
Company number: 05165816 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 June 2004 (22 years old)
Registered office: Hall Piece Church Lane, Clifton Reynes, Olney, Buckinghamshire, MK46 5DT
Nature of business: Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jonathan Grace	Director	Feb 1963	29 Jun 2004	None
Gillian Mary Grace	Director	Aug 1963	12 Nov 2012	None
Gillian Mary Joan Grace	Secretary	Not published	29 Jun 2004	–

In the full report: every company its directors have run

Confirmation that these 2 directors run no other company
All 3 people who have been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£327

Up £38 from £289

Employees (average)

Same as 2

Owed within a year

£14.6k

+23% from £11.9k

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

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 05165816. 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

The Finance Clinic’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

Gillian Mary Grace became a part-owner (25–50% of shares)
Jonathan Grace became a part-owner (25–50% of shares)

Companies House

2012

11 December 2012

Changed its registered name from "The Finance Clinic"

FCA register

12 November 2012

Gillian Mary Grace appointed as a director

Companies House

2004

29 June 2004

Incorporated at Companies House
Jonathan Grace appointed as a director

Companies House

2002

13 May 2002

Became an appointed representative

FCA register

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

Firms like The Finance Clinic

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

In Olney

CFS Wealth Planning LimitedOlneyAppointed representative Robert KiddOlneyAppointed representative Jane Smith Financial Planning LimitedOlneyAuthorised Twigden Asset Management LimitedOlneyAuthorised

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 The Finance Clinic

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
2 background checks on its contact details
6 years of accounts, charted
All 7 events in its history

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Frequently asked questions about this firm

Is The Finance Clinic Ltd FCA authorised?

The Finance Clinic Ltd (FRN 211729) 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 The Finance Clinic?

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. The Finance Clinic Ltd (FRN 211729) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The Finance Clinic's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Finance Clinic, 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 The Finance Clinic’s phone number?

The FCA register lists the phone number 01234 717171 for The Finance Clinic. If you were given different contact details, use these to check with the firm before going any further.

Is The Finance Clinic a scam or clone?

The Finance Clinic 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 The Finance Clinic?

Protection works through Quilter Financial Services Limited, the principal firm responsible for The Finance Clinic's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns The Finance Clinic?

Companies House lists 2 people with significant control of The Finance Clinic: Jonathan Grace (25–50% of shares) and Mrs Gillian Mary Grace (25–50% of shares).

Who runs The Finance Clinic?

Companies House lists 2 directors of The Finance Clinic: Jonathan Grace and Gillian Mary Grace.

How long has The Finance Clinic been in business?

The company was formed on 29 June 2004.

What do The Finance Clinic’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £327 (up £38 from £289).

Does The Finance Clinic use any other names?

It has previously used the name The Finance Clinic.

Sources and links

Its entry on the FCA register register.fca.org.uk
Its Companies House record gov.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk