Thrive Financial Planning Ltd

Reference number: 1000604

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.
  • THRIVE FINANCIAL PLANNING LTD (FRN 1000604) is an AR of ValidPath Limited (FRN 197107). When you use THRIVE FINANCIAL PLANNING's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from THRIVE 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 thrivefp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01902 240080 is
  • Who else gives the postcode WV7 3AU
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
14852658
Company status
Active
Company type
Private limited company
Incorporated
8 May 2023 (3 years old)
Registered office
First Floor Willow House, Kingswood Business Park, Holyhead Road, South Staffordshire, WV7 3AU, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Peter Harris Director May 1990 8 May 2023 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 2025Micro-entity accountsNot audited

Net assets

£30.0k

−5.2% from £31.6k

Employees (average)

1

Same as 1

Owed within a year

£62.5k

−56% from £142k

Assets and liabilities

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 14852658. 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

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

2023

11 September 2023

  • Became an appointed representative

FCA register

8 May 2023

  • Incorporated at Companies House
  • Richard Peter Harris took control (75–100% of shares)
  • Richard Peter Harris appointed as a director

Companies House

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

Firms connected to Thrive Financial Planning

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Thrive Financial Planning

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

In Wolverhampton

Abacus Wealth Services LimitedWolverhamptonAppointed representativeAJI Financial Planning LtdWolverhamptonAppointed representativeAstute Financial Planning LimitedWolverhamptonAppointed representativeBraitch Financial Planning LtdWolverhamptonAppointed representativeCaptain Adrian GoldsbroughWolverhamptonAppointed representativeDamon Scott PikeWolverhamptonAppointed 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 Thrive 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
  • All 4 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Thrive Financial Planning Ltd FCA authorised?
Thrive Financial Planning Ltd (FRN 1000604) 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 Thrive 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. Thrive Financial Planning Ltd (FRN 1000604) is an AR of ValidPath Limited (FRN 197107). When you use Thrive Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thrive 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 Thrive Financial Planning’s phone number and website?
The FCA register lists the phone number 01902 240080 and the website thrivefp.co.uk for Thrive Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Thrive Financial Planning a scam or clone?
Thrive 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 Thrive Financial Planning?
Protection works through ValidPath Limited, the principal firm responsible for Thrive Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Thrive Financial Planning?
Companies House lists one person with significant control of Thrive Financial Planning: Mr Richard Peter Harris (75–100% of shares).
Who runs Thrive Financial Planning?
Companies House lists one director of Thrive Financial Planning: Richard Peter Harris.
How long has Thrive Financial Planning been in business?
The company was formed on 8 May 2023.
What do Thrive Financial Planning’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £30.0k (−5.2% from £31.6k).

Sources and links

The full report on Thrive Financial Planning Ltd

£19.99 · Instant PDF download

Loading secure checkout…