AJC Financial Limited

Reference number: 937481

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • AJC Financial Limited (FRN 937481) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use AJC Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AJC 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.

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.

In the full report: 3 background checks

  • When partnership.sjp.co.ukpartnerandrewcoward first appeared online, and whether it can receive email
  • What kind of line 07989 191987 is
  • Who else gives the postcode TS26 9ND
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Other names (1)

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

  • AJC Financial Management Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
08255199
Company status
Active
Company type
Private limited company
Incorporated
16 October 2012 (14 years old)
Registered office
14 Warwick Grove, Hartlepool, TS26 9ND
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew James Coward Director Aug 1970 16 Oct 2012 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 5 April 2026Micro-entity accountsNot audited

Net assets

£14.0k

−65% from £40.4k

Employees (average)

2

Same as 2

Owed within a year

£43.1k

+57% from £27.4k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2026
  • 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 08255199. 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

AJC Financial’s history from the FCA register and Companies House, newest first.

2020

30 October 2020

  • Became an appointed representative
  • Began trading as "AJC Financial Management"

FCA register

2016

1 November 2016

  • Karen Coward became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Andrew James Coward took control (25–50% of shares)

Companies House

2012

16 October 2012

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

Companies House

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

Firms like AJC Financial

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

In Hartlepool

Anchor Wealth Management LimitedHartlepoolAppointed representativeAzalea Wealth Management LtdHartlepoolAppointed representativeDavid MarshallHartlepoolAppointed representativeHauxwell Wealth Management LimitedHartlepoolAppointed representativeHogarth Wealth Management LimitedHartlepoolAppointed representativeSentinel Wealth Management LtdHartlepoolAppointed 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 AJC Financial

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is AJC Financial Limited FCA authorised?
AJC Financial Limited (FRN 937481) 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 AJC 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. AJC Financial Limited (FRN 937481) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use AJC Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AJC 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.
What is AJC Financial’s phone number and website?
The FCA register lists the phone number 07989 191987 and the website partnership.sjp.co.ukpartnerandrewcoward for AJC Financial. If you were given different contact details, use these to check with the firm before going any further.
Is AJC Financial a scam or clone?
AJC Financial 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 AJC Financial?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for AJC Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns AJC Financial?
Companies House lists 2 people with significant control of AJC Financial: Andrew James Coward (25–50% of shares) and Karen Coward (25–50% of shares).
Who runs AJC Financial?
Companies House lists one director of AJC Financial: Andrew James Coward.
How long has AJC Financial been in business?
The company was formed on 16 October 2012.
What do AJC Financial’s latest accounts show?
Its latest accounts, to 5 April 2026, show net assets of £14.0k (−65% from £40.4k).
Does AJC Financial use any other names?
It trades as AJC Financial Management.

Sources and links

The full report on AJC Financial Limited

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