Zoe Reynolds Financial Services Limited

Reference number: 631123

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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

Vision Independent Financial Planning Ltd Reference number: 487395 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.
  • ZOE REYNOLDS FINANCIAL SERVICES LIMITED (FRN 631123) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use ZOE REYNOLDS FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ZOE REYNOLDS 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

    07961 546673

  • Address

    17A Barrs Road, Cradley Heath, Sandwell, B64 7HD, United Kingdom

In the full report: 2 background checks

  • What kind of line 07961 546673 is
  • Who else gives the postcode B64 7HD
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Vision Independent Financial Planning Ltd, 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
09154917
Company status
Active
Company type
Private limited company
Incorporated
31 July 2014 (12 years old)
Registered office
Spear House, Cobbett Road, Burntwood, Staffordshire, WS7 3GL, England
Nature of business
  • Fund management activities (SIC 66300)

Directors and company secretaries

Name Role Born Appointed Other companies
Zoe Elisha Reynolds Director Jun 1977 31 Jul 2014 2 other companies

Other companies run by its director

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
2
still active
2
is FCA-registered
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£573k

+4% from £551k

Cash at bank

£169k

−2.4% from £173k

Employees (average)

7

+17% from 6

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 09154917. 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

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

2017

2 August 2017

  • Zoe Elisha Reynolds gave up control

Companies House

1 August 2017

  • Zoe Elisha Reynolds took control (75–100% of shares)

Companies House

2016

1 July 2016

  • Zoe Elisha Reynolds took control (75–100% of shares)

Companies House

2014

29 August 2014

  • Became an appointed representative

FCA register

31 July 2014

  • Incorporated at Companies House
  • Zoe Elisha Reynolds appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Zoe Reynolds Financial Services

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Zoe Reynolds Financial Services

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

In Cradley Heath

Neal and Co Financial Services LimitedCradley HeathAuthorised

In the Birmingham (B) postcode area

ACS Financial Planning LtdSutton ColdfieldAppointed representativeAdrian WagstaffSolihullAppointed representativeAffinity Business Services LimitedBirminghamAppointed representativeAIT Business Solutions LimitedSolihullAppointed representativeAM 360 Financial Planning LimitedSutton ColdfieldAppointed 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 Zoe Reynolds Financial Services

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Zoe Reynolds Financial Services Limited FCA authorised?
Zoe Reynolds Financial Services Limited (FRN 631123) 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 Zoe Reynolds 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. Zoe Reynolds Financial Services Limited (FRN 631123) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use Zoe Reynolds Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Zoe Reynolds 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 Zoe Reynolds Financial Services’ phone number?
The FCA register lists the phone number 07961 546673 for Zoe Reynolds Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Zoe Reynolds Financial Services a scam or clone?
Zoe Reynolds 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 Zoe Reynolds Financial Services?
Protection works through Vision Independent Financial Planning Ltd, the principal firm responsible for Zoe Reynolds Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Zoe Reynolds Financial Services?
Companies House lists one person with significant control of Zoe Reynolds Financial Services: Ms Zoe Elisha Reynolds (75–100% of shares).
Who runs Zoe Reynolds Financial Services?
Companies House lists one director of Zoe Reynolds Financial Services: Zoe Elisha Reynolds.
How long has Zoe Reynolds Financial Services been in business?
The company was formed on 31 July 2014.
What do Zoe Reynolds Financial Services’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £573k (+4% from £551k) and cash at bank of £169k (−2.4% from £173k).

Sources and links

The full report on Zoe Reynolds Financial Services Limited

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