Toft Financial Limited

Reference number: 743568

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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.

Responsible principal firm

KEYSTONE FINANCIAL LIMITED Reference number: 501917 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.
  • Toft Financial Limited (FRN 743568) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Toft Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Toft Financial, 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 toftfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01565 649491 is
  • Who else gives the postcode WA16 9RY
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Other names (1)

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

  • Toft Estate Planning Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Keystone Financial 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
10067173
Company status
Active
Company type
Private limited company
Incorporated
16 March 2016 (10 years old)
Registered office
The Sheiling Trouthall Lane, Plumley, Knutsford, WA16 9RY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Duncan Ronan Selkirk Director Jun 1977 16 Mar 2016 11 other companies
Nancy Elizabeth Selkirk Director Mar 1977 6 Apr 2020 1 other company

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
11
closed down
5
run together
1

In the full report: all 11 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

−£4,333

Up £15.0k from −£19.3k

Employees (average)

2

Same as 2

Owed within a year

£11.3k

−42% from £19.5k

Net assets are negative: on its last balance sheet the company owed £4,333 more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 10067173. 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

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

Key events (3) All events (7)

2016

8 April 2016

  • Became an appointed representative

FCA register

6 April 2016

  • Duncan Ronan Selkirk took control (75–100% of shares)

Companies House

16 March 2016

  • Incorporated at Companies House

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Firms like Toft Financial

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

In Knutsford

Aperio Financial Planners LimitedKnutsfordAppointed representativeAspire 2011 LLPKnutsfordAppointed representativeBeyond Wealth (Financial Management) LimitedKnutsfordAppointed representativeChristopher JohnsonKnutsfordAppointed representativeKingsford Wealth Management LtdKnutsfordAppointed representativeMark PurcellKnutsfordAppointed 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 Toft Financial

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is Toft Financial Limited FCA authorised?
Toft Financial Limited (FRN 743568) 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 Toft Financial?
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. Toft Financial Limited (FRN 743568) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Toft Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Toft Financial, 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 Toft Financial’s phone number and website?
The FCA register lists the phone number 01565 649491 and the website toftfinancial.co.uk for Toft Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Toft Financial a scam or clone?
Toft 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 Toft Financial?
Protection works through Keystone Financial Limited, the principal firm responsible for Toft Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Toft Financial?
Companies House lists one person with significant control of Toft Financial: Mr Duncan Ronan Selkirk (75–100% of shares).
Who runs Toft Financial?
Companies House lists 2 directors of Toft Financial: Duncan Ronan Selkirk and Nancy Elizabeth Selkirk.
How long has Toft Financial been in business?
The company was formed on 16 March 2016.
What do Toft Financial’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of −£4,333 (up £15.0k from −£19.3k).
Does Toft Financial use any other names?
It has previously used the name Toft Estate Planning.

Sources and links

The full report on Toft Financial Limited

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