Barrow Financial Services Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017
Accounts filed up to 30 April 2025

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.

Website

barrowfinancialservices.co.uk (opens in a new tab)
Phone number

01772 712255
Address

199 Garstang Road, Fulwood, Preston, Lancashire, PR2 8JQ, United Kingdom

In the full report: 3 background checks

When barrowfinancialservices.co.uk first appeared online, and whether it can receive email
What kind of line 01772 712255 is
Who else gives the postcode PR2 8JQ

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (11 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising on Pension Transfers and Pension Opt Outs
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt Adjusting
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 11028141 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 October 2017 (8 years old)
Registered office: 7 Ferry Road, Preston, PR2 2YH, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Gerrard Barrow	Director	Jul 1955	24 Oct 2017	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: 2

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

Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£22.2k

+4.8% from £21.2k

Cash at bank

£29.3k

−40% from £48.5k

Employees (average)

3

Same as 3

Owed within a year

£26.0k

−34% from £39.2k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11028141. 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

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

Key events (5) All events (9)

2018

19 April 2018

Regulated by the FCA from this date
FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
Became authorised by the FCA

FCA register

2017

24 October 2017

Incorporated at Companies House
John Gerrard Barrow took control (75–100% of shares)

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 1

Firms connected to Barrow Financial Services

Other FCA-listed firms that share a director, phone number or address with Barrow Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 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 Barrow Financial Services

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

In Preston

Places for People Homes LimitedPrestonAuthorised Bayanihan Finance LPPrestonAuthorised Carrera Finance (NW) LimitedPrestonAuthorised Dominion Finance LimitedPrestonAuthorised IPP Financial Services LLPPrestonAuthorised Lancashire Community Finance (IPS) LtdPrestonAuthorised

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 Barrow Financial Services

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
7 years of accounts, charted
All 9 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Barrow Financial Services Ltd FCA authorised?

Yes, Barrow Financial Services Ltd (FRN 793840) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2018 and works as a lender. The FCA has placed no limits on its permissions.

What is Barrow Financial Services’ phone number and website?

The FCA register lists the phone number 01772 712255 and the website barrowfinancialservices.co.uk for Barrow Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Barrow Financial Services a scam or clone?

Barrow Financial Services 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 Barrow Financial Services?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Barrow Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Barrow Financial Services?

Companies House lists one person with significant control of Barrow Financial Services: Mr John Gerrard Barrow (75–100% of shares).

Who runs Barrow Financial Services?

Companies House lists one director of Barrow Financial Services: John Gerrard Barrow.

How long has Barrow Financial Services been in business?

The company was formed on 24 October 2017, and has held its current FCA authorisation since April 2018.

What do Barrow Financial Services’ latest accounts show?

Its latest accounts, to 30 April 2025, show net assets of £22.2k (+4.8% from £21.2k) and cash at bank of £29.3k (−40% from £48.5k).