313 Commercial Ltd
Reference number: 926841
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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.
- Appointed for 6 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 May 2026
Responsible principal firm
AFS Compliance Ltd Reference number: 625035 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.
- 313 Commercial Ltd (FRN 926841) is an AR of AFS Compliance Ltd (FRN 625035). When you use 313 Commercial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from 313 Commercial, 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.
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Phone number
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Address
107a High Street, Carrville, Durham, DH1 1BQ, England
In the full report: 3 background checks
- When 313commercial.co.uk first appeared online, and whether it can receive email
- What kind of line 0191 349 8369 is
- Who else gives the postcode DH1 1BQ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Synergy Commercial Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through AFS Compliance 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, freeYou 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
- 12581353 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 May 2020 (6 years old)
- Registered office
- 107a High Street, Carrville, Durham, DH1 1BQ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Martyn Gray | Director | May 1988 | 1 May 2020 | 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
- closed down
- 1
- still active
- 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
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£21.0k
+22% from £17.2k
Employees (average)
1
Same as 1
Owed within a year
£5,135
+39% from £3,690
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2021 to 2026
- 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 12581353. 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
313 Commercial’s history from the FCA register and Companies House, newest first.
2023
13 March 2023
- Christopher Cullen stopped being the majority owner
- Paul Martyn Gray took control (75–100% of shares)
Companies House
2020
27 May 2020
- Became an appointed representative
FCA register
1 May 2020
- Incorporated at Companies House
- Christopher Cullen became the majority owner (50–75% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms like 313 Commercial
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Durham (DH) postcode area
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 313 Commercial
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
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for 313 Commercial?
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Who runs 313 Commercial?
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What do 313 Commercial’s latest accounts show?
Does 313 Commercial use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk