Fathom Financial Limited

Reference number: 998898

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

ValidPath Financial Limited Reference number: 836465 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.
  • Fathom Financial Limited (FRN 998898) is an AR of ValidPath Financial Limited (FRN 836465). When you use Fathom Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fathom Financial, 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.

Identity

Check their details

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.

Also trades as
  • Fathom

Company details

From the company's Companies House record.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
10548553
Company status
Active
Company type
Private limited company
Incorporated
5 January 2017 (9 years old)
Registered office
Prosperity House, 1 Barnfield Road, Spennymoor, DL16 6EB, United Kingdom
Nature of business
  • Pension funding (SIC 65300)

Current directors and secretaries

Name Role Born Appointed
Kevin Andrew Moss Director Oct 1959 12 Sep 2023
Victoria Rose Bell Director Mar 1979 11 Oct 2024
Mark Antony Abley Director Nov 1964 24 Feb 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through ValidPath Financial 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Fathom Financial Limited FCA authorised?
Fathom Financial Limited (FRN 998898) 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 Fathom Financial?
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. Fathom Financial Limited (FRN 998898) is an AR of ValidPath Financial Limited (FRN 836465). When you use Fathom Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fathom Financial, 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.
Is my money safe with Fathom Financial?
Protection works through ValidPath Financial Limited, the principal firm responsible for Fathom Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Fathom Financial a scam or clone?
Fathom Financial is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Fathom Financial's Firm Reference Number (FRN)?
Fathom Financial's FRN is 998898. You can verify it on the FCA register.