TOM&Co Financial Planning Limited

Reference number: 928529

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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

Sense Network Limited Reference number: 465124 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.
  • TOM&Co Financial Planning Limited (FRN 928529) is an AR of Sense Network Limited (FRN 465124). When you use TOM&Co Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from TOM&Co 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.

  • No website on the FCA register

  • Phone number

    01553 824026

  • Address

    2 Regis Place, North Lynn Industrial Estate, King's Lynn, Norfolk, PE30 2JN, United Kingdom

In the full report: 2 background checks

  • What kind of line 01553 824026 is
  • Who else gives the postcode PE30 2JN
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Other names (2)

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

  • C M Financial Planning Ltd Former name
  • Calton Murray Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense Network 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
12617190
Company status
Active
Company type
Private limited company
Incorporated
21 May 2020 (6 years old)
Registered office
Unit 2 Regis Place, North Lynn Industrial Estate, King's Lynn, Norfolk, PE30 2JN, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Joseph Murray Director Sep 1986 3 Aug 2020 1 other company
Thomas Davey Director Oct 1989 21 Jul 2022 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 company
1
closed down
1
run together
1

In the full report: all 1 company, 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£52.6k

−2.2% from £53.8k

Employees (average)

8

Same as 8

Owed within a year

£14.2k

−57% from £33.2k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • 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 12617190. 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

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

Key events (11) All events (19)

2022

28 October 2022

  • Changed its registered name from "C M Financial Planning Ltd"

FCA register

21 July 2022

  • Gavin Brent Minns stopped being a part-owner
  • Thomas Davey became a part-owner (25–50% of shares)

Companies House

2021

15 April 2021

  • Lee Kevin Calton stopped being a part-owner

Companies House

2020

6 August 2020

  • Lee Kevin Calton became a part-owner (25–50% of shares)
  • Thomas Joseph Murray became a part-owner (25–50% of shares)

Companies House

3 August 2020

  • Gavin Brent Minns gave up control

Companies House

25 June 2020

  • Became an appointed representative

FCA register

21 May 2020

  • Incorporated at Companies House
  • Gavin Brent Minns became a part-owner (25–50% of shares)
  • Gavin Brent Minns took control (75–100% of shares)

Companies House

In the full report: all 19 events

  • All 19 events in its history (11 shown here)
  • Every director appointment and resignation: 6
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Firms like TOM&Co Financial Planning

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

In King's Lynn

Chalk Farm Financial Planning LtdKing's LynnAppointed representativeDavid IrvingKing's LynnAppointed representativeDominic HughesKing's LynnAppointed representativeHayley Steeles Financial Planning LimitedKing's LynnAppointed representativeJ & E AllenKing's LynnAppointed representativeMacLean Securities LimitedKing's LynnAppointed 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 TOM&Co Financial Planning

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
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is TOM&Co Financial Planning Limited FCA authorised?
TOM&Co Financial Planning Limited (FRN 928529) 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 TOM&Co 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. TOM&Co Financial Planning Limited (FRN 928529) is an AR of Sense Network Limited (FRN 465124). When you use TOM&Co Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TOM&Co 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 TOM&Co Financial Planning’s phone number?
The FCA register lists the phone number 01553 824026 for TOM&Co Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is TOM&Co Financial Planning a scam or clone?
TOM&Co 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 TOM&Co Financial Planning?
Protection works through Sense Network Limited, the principal firm responsible for TOM&Co Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns TOM&Co Financial Planning?
Companies House lists 2 people with significant control of TOM&Co Financial Planning: Mr Thomas Davey (25–50% of shares) and Mr Thomas Joseph Murray (25–50% of shares). Before that, it was controlled by Mr Gavin Brent Minns and Mr Lee Kevin Calton.
Who runs TOM&Co Financial Planning?
Companies House lists 2 directors of TOM&Co Financial Planning: Thomas Joseph Murray and Thomas Davey.
How long has TOM&Co Financial Planning been in business?
The company was formed on 21 May 2020.
What do TOM&Co Financial Planning’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £52.6k (−2.2% from £53.8k).
Does TOM&Co Financial Planning use any other names?
It has previously used 2 other names: C M Financial Planning Ltd and Calton Murray.

Sources and links

The full report on TOM&Co Financial Planning Limited

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