Think Wealth Limited
Reference number: 520390
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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 16 years
- Protected through the principal
- No FCA actions
- Active company since 2010
- Accounts filed up to 31 December 2025
- Its phone number is also given by a firm that is no longer authorised
- 1 thing worth a closer look in the background checks
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Think Wealth Limited (FRN 520390) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Think Wealth's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Think Wealth, 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.
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Phone number
Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
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Address
4th Floor, 3 Hardman Square, Spinningfields, Manchester, M3 3EB, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When thinkwealth.co.uk first appeared online, and whether it can receive email
- What kind of line 0161 834 9480 is, and the 7 other firms that give it
- Whether M3 3EB is a shared office: 68 other firms give it
Other names (3)
If you were contacted under any of these names, it is this firm.
- Think Wealth Management Trading name: A name it trades under now.
- Bilal Patel Former name: A name it was registered under before.
- Bilal Patel Practice Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, 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, freeYou 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 number
- 07461359 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 December 2010 (15 years old)
- Registered office
- Office 311-312 Burnley Business Centre, Empire Business Park, Liverpool Road, Burnley, BB12 6HH, England
- Nature of business
-
- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Bilal Patel | Director | Jul 1982 | 6 Dec 2010 | 1 other company |
Other companies run by its director
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 company
- 1
- still active
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£3.91m
+15% from £3.42m
Cash at bank
£3.01m
+15% from £2.63m
Employees (average)
10
+43% from 7
Owed within a year
£81.0k
+255% from £22.8k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 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 07461359. 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
Think Wealth’s history from the FCA register and Companies House, newest first.
2023
4 July 2023
- Began trading as "Think Wealth Management"
FCA register
2018
2 November 2018
- Changed its registered name from "Bilal Patel Practice Ltd"
FCA register
2016
6 April 2016
- Bilal Patel took control (75–100% of shares)
Companies House
2011
26 January 2011
- Changed its registered name from "Bilal Patel"
FCA register
2010
6 December 2010
- Incorporated at Companies House
- Bilal Patel appointed as a director
Companies House
16 March 2010
- Became an appointed representative
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Think Wealth
Other FCA-listed firms that share a director, phone number or address with Think Wealth. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 7
- no longer authorised
- 1
- share its phone number
- 7
In the full report: all 7 connected firms, named
- How each is linked: the same phone number (7), the same postcode (5)
- Who links each one: the named directors, with dates
Firms like Think Wealth
Other firms of the same type (financial adviser), nearest first.
In Manchester
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 Think Wealth
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 7 events in its history
- 7 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Think Wealth Limited FCA authorised?
What does appointed representative mean for Think Wealth?
What is Think Wealth’s phone number and website?
Is Think Wealth a scam or clone?
Is my money safe with Think Wealth?
Who owns Think Wealth?
Who runs Think Wealth?
How long has Think Wealth been in business?
What do Think Wealth’s latest accounts show?
Does Think Wealth use any other names?
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