A Nicholson Finance Ltd

Reference number: 712581

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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

PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
  • A NICHOLSON FINANCE LTD (FRN 712581) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use A NICHOLSON FINANCE's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from A NICHOLSON FINANCE, 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

    020 7933 9712

  • Address

    25 Christopher Street, London, EC2A 2BS, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 7933 9712 is
  • Who else gives the postcode EC2A 2BS
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Other names (2)

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

  • John Charcol Trading name
  • A NICHOLSON FINANCE LIMITED Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pivotal 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 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
09674333
Company status
Active
Company type
Private limited company
Incorporated
7 July 2015 (11 years old)
Registered office
34 Gorringe Park Avenue, Mitcham, CR4 2DG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew James Nicholson Director Mar 1976 7 Jul 2015 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£21.6k

Down £7,476 from −£14.2k

Cash at bank

£14.2k

−24% from £18.6k

Employees (average)

2

Same as 2

Owed within a year

£58.2k

+3.7% from £56.1k

Net assets are negative: on its last balance sheet the company owed £21.6k more than it owned.

Net assets

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
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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 09674333. Figures are exactly as filed; nothing is estimated.

Key dates in its history

A Nicholson Finance’s history from the FCA register and Companies House, newest first.

2025

14 July 2025

  • Leigh-Ann Nicholson stopped being a part-owner

Companies House

2024

22 May 2024

  • Changed its registered name from "A NICHOLSON FINANCE LIMITED"

FCA register

2017

6 July 2017

  • Leigh-Ann Nicholson became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Andrew James Nicholson became the majority owner (50–75% of shares)

Companies House

2015

1 August 2015

  • Became an appointed representative
  • Began trading as "John Charcol"

FCA register

7 July 2015

  • Incorporated at Companies House
  • Andrew James Nicholson appointed as a director

Companies House

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

Firms like A Nicholson Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed 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 A Nicholson Finance

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is A Nicholson Finance Ltd FCA authorised?
A Nicholson Finance Ltd (FRN 712581) 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 A Nicholson Finance?
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. A Nicholson Finance Ltd (FRN 712581) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use A Nicholson Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from A Nicholson Finance, 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 A Nicholson Finance’s phone number?
The FCA register lists the phone number 020 7933 9712 for A Nicholson Finance. If you were given different contact details, use these to check with the firm before going any further.
Is A Nicholson Finance a scam or clone?
A Nicholson Finance 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 A Nicholson Finance?
Protection works through Pivotal Financial Limited, the principal firm responsible for A Nicholson Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns A Nicholson Finance?
Companies House lists one person with significant control of A Nicholson Finance: Mr Andrew James Nicholson (50–75% of shares). Before that, it was controlled by Mrs Leigh-Ann Nicholson.
Who runs A Nicholson Finance?
Companies House lists one director of A Nicholson Finance: Andrew James Nicholson.
How long has A Nicholson Finance been in business?
The company was formed on 7 July 2015.
What do A Nicholson Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£21.6k (down £7,476 from −£14.2k) and cash at bank of £14.2k (−24% from £18.6k).
Does A Nicholson Finance use any other names?
It trades as John Charcol. It has previously used the name A NICHOLSON FINANCE LIMITED.

Sources and links

The full report on A Nicholson Finance Ltd

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