ValidPath Limited

Reference number: 197107

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 validpath.co.uk first appeared online, and whether it can receive email
  • What kind of line 029 2035 1465 is
  • Who else gives the postcode CF24 5EA
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Other names (3)

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

  • 2020 Financial Services Ltd Former name
  • Pearce Wealth Management Former trading name
  • Women's Wealth Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (17 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
04273538
Company status
Active
Company type
Private limited company
Incorporated
20 August 2001 (25 years old)
Registered office
The Maltings, East Tyndall Street, Cardiff, South Glam, CF24 5EA, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Angus Ian Robert Macnee Director May 1982 6 Jul 2018 8 other companies
Adrian Thomas Kirk Director May 1978 7 Mar 2022 21 other companies
Heledd Wyn Richards Director Dec 1981 4 Aug 2022 1 other company
Timothy Peter Riseborough Director Aug 1975 18 Sep 2024 3 other companies
Angus Macnee Secretary Not published 6 Jul 2018 –

Other companies run by these 4 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
30
closed down
5
are FCA-registered
3

In the full report: all 30 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 2 companies these 4 directors run together
  • All 15 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Abridged accountsAudited

Net assets

£2.83m

−8.5% from £3.10m

Cash at bank

£1.78m

+26% from £1.42m

Employees (average)

29

+53% from 19

Owed within a year

£1.74m

+44% from £1.21m

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 04273538. 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

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

Key events (9) All events (41)

2018

6 July 2018

  • Kevin Andrew Moss gave up control
  • Validpath Network Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Kevin Andrew Moss took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

28 May 2010

  • Changed its registered name from "2020 Financial Services Ltd"

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

12 October 2001

  • Regulated by the Personal Investment Authority from this date

FCA register

20 August 2001

  • Incorporated at Companies House

Companies House

In the full report: all 41 events

  • All 41 events in its history (9 shown here)
  • Every director appointment and resignation: 24
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Firms connected to ValidPath

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

connected firms
2
share a director
2
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like ValidPath

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

In Cardiff

Hugh James SolicitorsCardiffAuthorisedArchytas Strategic Planning LimitedCardiffAuthorisedBurley Fox LimitedCardiffAuthorisedC J Hannan LtdCardiffAuthorisedCarlson Wealth Management LimitedCardiffAuthorisedCathedral Financial Services LLPCardiffAuthorised

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 ValidPath

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

  • 30 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 41 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is ValidPath Limited FCA authorised?
Yes, ValidPath Limited (FRN 197107) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is ValidPath’s phone number and website?
The FCA register lists the phone number 029 2035 1465 and the website validpath.co.uk for ValidPath. If you were given different contact details, use these to check with the firm before going any further.
Is ValidPath a scam or clone?
ValidPath 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 ValidPath?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about ValidPath to the Financial Ombudsman Service, free of charge.
Who owns ValidPath?
ValidPath is owned by Validpath Network Limited, which holds 75–100% of shares, since 6 July 2018. Before that, it was controlled by Mr Kevin Andrew Moss.
Who runs ValidPath?
Companies House lists 4 directors of ValidPath: Angus Ian Robert Macnee, Adrian Thomas Kirk, Heledd Wyn Richards and Timothy Peter Riseborough.
How long has ValidPath been in business?
The company was formed on 20 August 2001, and has held its current FCA authorisation since December 2001.
What do ValidPath’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £2.83m (−8.5% from £3.10m) and cash at bank of £1.78m (+26% from £1.42m).
Does ValidPath use any other names?
It has previously used 3 other names: 2020 Financial Services Ltd, Pearce Wealth Management and Women's Wealth.

Sources and links

The full report on ValidPath Limited

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