VD Financial Services Limited

Reference number: 709748

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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

Sesame Limited Reference number: 150427 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.
  • VD Financial Services Limited (FRN 709748) is an AR of Sesame Limited (FRN 150427). When you use VD Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from VD Financial Services, 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

    07930 111435

  • Address

    120, Hill Road, Pinner, HA5 1LE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07930 111435 is
  • Who else gives the postcode HA5 1LE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
09592186
Company status
Active
Company type
Private limited company
Incorporated
14 May 2015 (11 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Daxesh Patel Director Aug 1980 14 May 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£3,663

+122% from £1,653

Cash at bank

£55.0k

No earlier figure to compare

Employees (average)

0

−100% from 1

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 09592186. 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

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

Key events (6) All events (9)

2024

21 August 2024

  • Twinkle Daxesh Patel became a part-owner (25–50% of shares)

Companies House

31 July 2024

  • Twinkle Patel stopped being a part-owner

Companies House

2017

14 May 2017

  • Twinkle Patel became a part-owner (25–50% of shares)

Companies House

1 May 2017

  • Daxesh Patel became a part-owner (25–50% of shares)

Companies House

2015

9 July 2015

  • Became an appointed representative

FCA register

14 May 2015

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like VD Financial Services

Other firms of the same type (insurance broker), nearest first.

In Pinner

Akshar Mortgage Solutions LimitedPinnerAppointed representativeBBC Pensioners' AssociationPinnerAppointed representativeInsure Assure LtdPinnerAppointed representativeJohn L GibsonPinnerAppointed representativeMr Nayan ThakrarPinnerAppointed representativeOakdale Financial Services LtdPinnerAppointed 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 VD Financial Services

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is VD Financial Services Limited FCA authorised?
VD Financial Services Limited (FRN 709748) 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 VD Financial Services?
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. VD Financial Services Limited (FRN 709748) is an AR of Sesame Limited (FRN 150427). When you use VD Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from VD Financial Services, 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 VD Financial Services’ phone number?
The FCA register lists the phone number 07930 111435 for VD Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is VD Financial Services a scam or clone?
VD Financial Services 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 VD Financial Services?
Protection works through Sesame Limited, the principal firm responsible for VD Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns VD Financial Services?
Companies House lists 2 people with significant control of VD Financial Services: Mrs Twinkle Daxesh Patel (25–50% of shares) and Mr Daxesh Patel (25–50% of shares). Before that, it was controlled by Mrs Twinkle Patel.
Who runs VD Financial Services?
Companies House lists one director of VD Financial Services: Daxesh Patel.
How long has VD Financial Services been in business?
The company was formed on 14 May 2015.
What do VD Financial Services’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £3,663 (+122% from £1,653) and cash at bank of £55.0k (no earlier figure to compare).

Sources and links

The full report on VD Financial Services Limited

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