Thirlwell Independent Financial Advice Ltd

Reference number: 1043130

Instant download

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

ValidPath Limited Reference number: 197107 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.
  • Thirlwell Independent Financial Advice Ltd (FRN 1043130) is an AR of ValidPath Limited (FRN 197107). When you use Thirlwell Independent Financial Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Thirlwell Independent Financial Advice, 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 thirlwellifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 07719 727510 is
  • Who else gives the postcode SN14 6RA
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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 number
16646338
Company status
Active
Company type
Private limited company
Incorporated
12 August 2025 (1 year old)
Registered office
Unit 7 Cornbrash Park, Bumpers Way, Chippenham, Wiltshire, SN14 6RA, United Kingdom
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Luke Paul Thirlwell Director Sep 1993 12 Aug 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 August 2026Micro-entity accountsNot audited

Net assets

−£11.6k

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£11.6k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £11.6k more than it owned.

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 16646338. 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

Thirlwell Independent Financial Advice’s history from the FCA register and Companies House, newest first.

2025

22 October 2025

  • Became an appointed representative

FCA register

12 August 2025

  • Incorporated at Companies House
  • Luke Paul Thirlwell took control (75–100% of shares)
  • Luke Paul Thirlwell appointed as a director

Companies House

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

Firms like Thirlwell Independent Financial Advice

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

In Chippenham

Cepen Independent Financial Advice LimitedChippenhamAppointed representativeCross Border Financial Planning LimitedChippenhamAppointed representativeKathryn JumabhoyChippenhamAppointed representativeMander Duffill Financial Advisers LtdChippenhamAppointed representativeRMT Financial LtdChippenhamAppointed representativeSimon Edward Associates LimitedChippenhamAppointed 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 Thirlwell Independent Financial Advice

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
  • All 4 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Thirlwell Independent Financial Advice Ltd FCA authorised?
Thirlwell Independent Financial Advice Ltd (FRN 1043130) 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 Thirlwell Independent Financial Advice?
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. Thirlwell Independent Financial Advice Ltd (FRN 1043130) is an AR of ValidPath Limited (FRN 197107). When you use Thirlwell Independent Financial Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thirlwell Independent Financial Advice, 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 Thirlwell Independent Financial Advice’s phone number and website?
The FCA register lists the phone number 07719 727510 and the website thirlwellifa.co.uk for Thirlwell Independent Financial Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Thirlwell Independent Financial Advice a scam or clone?
Thirlwell Independent Financial Advice 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 Thirlwell Independent Financial Advice?
Protection works through ValidPath Limited, the principal firm responsible for Thirlwell Independent Financial Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Thirlwell Independent Financial Advice?
Companies House lists one person with significant control of Thirlwell Independent Financial Advice: Mr Luke Paul Thirlwell (75–100% of shares).
Who runs Thirlwell Independent Financial Advice?
Companies House lists one director of Thirlwell Independent Financial Advice: Luke Paul Thirlwell.
How long has Thirlwell Independent Financial Advice been in business?
The company was formed on 12 August 2025.
What do Thirlwell Independent Financial Advice’s latest accounts show?
Its latest accounts, to 31 August 2026, show net assets of −£11.6k (no earlier figure to compare).

Sources and links

The full report on Thirlwell Independent Financial Advice Ltd

£19.99 · Instant PDF download

Loading secure checkout…