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 15 years
- Protected through the principal
- No FCA actions
- Active company since 2010
- Accounts filed up to 31 March 2025
Responsible principal firm
The On-Line Partnership Limited Reference number: 192638 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.
- APFS Financial Solutions LLP (FRN 551195) is an AR of The On-Line Partnership Limited (FRN 192638). When you use APFS Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from APFS Financial Solutions, 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.
This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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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No website on the FCA register
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Phone number
-
Address
6 Cunningham Court, Shadsworth Business Park, Lions Drive, Blackburn, BB1 2QX, United Kingdom
In the full report: 2 background checks
- What kind of line 01254 936959 is
- Who else gives the postcode BB1 2QX
Other names (4)
If you were contacted under any of these names, it is this firm.
- AP Financial Planning Services Trading name: A name it trades under now.
- APFS Trading name: A name it trades under now.
- APFS Wealth Management Trading name: A name it trades under now.
- Business Wills Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The On-Line Partnership 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, 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
- OC360087 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Limited liability partnership
- Incorporated
- 7 December 2010 (15 years old)
- Registered office
- 6 Cunningham Court, Blackburn, Lancashire, BB1 2QX, England
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Squires | LLP designated member | Oct 1956 | 7 Dec 2010 | 6 other companies |
| Benjamin Squires | LLP designated member | Nov 1983 | 7 Dec 2010 | 2 other companies |
| Lynda Jean Squires | LLP member | Dec 1953 | 5 Dec 2012 | 3 other companies |
| Brian Philip Dickinson | LLP member | Apr 1963 | 6 Apr 2013 | None |
| Daniel John Grogan | LLP member | Mar 1986 | 6 Apr 2013 | None |
| Angus Neal Whitehead | LLP member | Oct 1994 | 1 Dec 2017 | None |
| Christopher Geoffrey Mcguire | LLP member | Apr 1988 | 1 Dec 2019 | None |
Other companies run by these 7 directors
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
- 6
- closed down
- 6
- run together
- 4
In the full report: all 6 companies, named
- What each company does, and whether it is still trading
- Which of these 7 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 4 companies these 7 directors run together
- All 13 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£10.1k
+47% from £6,833
Cash at bank
£19.4k
−45% from £35.5k
Employees (average)
0
Same as 0
Owed within a year
£65.9k
+40% from £47.1k
The accounts for the year to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £584k, for the year to 31 March 2023.
Assets and liabilities
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
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.
Accounts filed at Companies House for company OC360087. 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
APFS Financial Solutions’s history from the FCA register and Companies House, newest first.
2023
25 July 2023
- Benjamin Squires became a part-owner (25–50% of shares)
Companies House
2016
7 December 2016
- Paul Squires gained significant control
Companies House
2011
17 May 2011
- Became an appointed representative
FCA register
2010
7 December 2010
- Incorporated at Companies House
Companies House
In the full report: all 23 events
- All 23 events in its history (4 shown here)
- Every director appointment and resignation: 15
Firms connected to APFS Financial Solutions
Other FCA-listed firms that share a director, phone number or address with APFS Financial Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- no longer authorised
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like APFS Financial Solutions
Other firms of the same type (credit broker), nearest first.
In Blackburn
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 APFS Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 23 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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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