Xl Independent Financial Advisers Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 2003
Accounts filed up to 31 March 2025

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.

Website

xlifa.co.uk (opens in a new tab)
Phone number

01449 723526
Address

Unit 12-13, Norfolk House, Williamsport Way, Lion Barn Industrial Estate, Ipswich, Suffolk, IP6 8RW, United Kingdom

In the full report: 3 background checks

When xlifa.co.uk first appeared online, and whether it can receive email
What kind of line 01449 723526 is
Who else gives the postcode IP6 8RW

Other names (1)

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

XL Financial Planners Trading name: A name it trades under now.

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 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 (11 permissions)

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) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
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: 04743263 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 April 2003 (23 years old)
Registered office: Unit 12-13 Norfolk House, Williamsport Way, Lion Barn Industrial Estate, Needham Market, Ipswich, Suffolk, IP6 8RW, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Stephen Charles Bloomfield	Director	Sep 1960	24 Apr 2003	1 other company
Andrew Mark Bullingham	Director	Aug 1968	24 Apr 2003	1 other company
Stephen Bloomfield	Secretary	Not published	29 Oct 2012	–

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 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£567k

+31% from £433k

Cash at bank

£737k

+27% from £582k

Employees (average)

9

Same as 9

Owed within a year

£205k

+2.9% from £199k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

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 04743263. 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

Xl Independent Financial Advisers’s history from the FCA register and Companies House, newest first.

Key events (6) All events (19)

2016

30 June 2016

Andrew Mark Bullingham became a part-owner (25–50% of shares)
Stephen Charles Bloomfield became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

17 January 2005

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

FCA register

2003

24 April 2003

Incorporated at Companies House

Companies House

In the full report: all 19 events

All 19 events in its history (6 shown here)
Every director appointment and resignation: 8

Firms like Xl Independent Financial Advisers

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

In Ipswich

Citrus Wealth Management LimitedIpswichAuthorised Debenwood Financial Planning LtdIpswichAuthorised Doug Wade Insurance ConsultantIpswichAuthorised Fraser - Hann Financial Services LimitedIpswichAuthorised Galleon Wealth Management LtdIpswichAuthorised Gary BunkellIpswichAuthorised

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 Xl Independent Financial Advisers

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
3 background checks on its contact details
6 years of accounts, charted
All 19 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Xl Independent Financial Advisers Limited FCA authorised?

Yes, Xl Independent Financial Advisers Limited (FRN 415232) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Xl Independent Financial Advisers’ phone number and website?

The FCA register lists the phone number 01449 723526 and the website xlifa.co.uk for Xl Independent Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.

Is Xl Independent Financial Advisers a scam or clone?

Xl Independent Financial Advisers 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 Xl Independent Financial Advisers?

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 Xl Independent Financial Advisers to the Financial Ombudsman Service, free of charge.

Who owns Xl Independent Financial Advisers?

Companies House lists 2 people with significant control of Xl Independent Financial Advisers: Mr Stephen Charles Bloomfield (25–50% of shares) and Mr Andrew Mark Bullingham (25–50% of shares).

Who runs Xl Independent Financial Advisers?

Companies House lists 2 directors of Xl Independent Financial Advisers: Stephen Charles Bloomfield and Andrew Mark Bullingham.

How long has Xl Independent Financial Advisers been in business?

The company was formed on 24 April 2003, and has held its current FCA authorisation since January 2005.

What do Xl Independent Financial Advisers’ latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £567k (+31% from £433k) and cash at bank of £737k (+27% from £582k).

Does Xl Independent Financial Advisers use any other names?

It trades as XL Financial Planners.