Bernhard & Co. Limited

Reference number: 709986

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Rural Finance Limited Reference number: 630701 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Bernhard & Co. Limited (FRN 709986) introduces customers to Rural Finance Limited (FRN 630701). Any regulated advice or arranging is done by the principal, not Bernhard & Co..
  • Example: if Bernhard & Co. refers you to a financial adviser, the advice should come from the principal firm, not from Bernhard & Co. itself.
  • 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 bernhard.co.uk first appeared online, and whether it can receive email
  • What kind of line 07720 460030 is
  • Who else gives the postcode CV21 3AT
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Other names (1)

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

  • Bernhard & Company Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rural Finance 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
01806190
Company status
Active
Company type
Private limited company
Incorporated
5 April 1984 (42 years old)
Registered office
11 Homefield Road, Haverhill, CB9 8QP, England
Nature of business
  • Manufacture of agricultural and forestry machinery other than tractors (SIC 28302)
  • Wholesale of agricultural machinery, equipment and supplies (SIC 46610)
  • Engineering design activities for industrial process and production (SIC 71121)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Richard Nixon Director Aug 1971 2 Oct 2017 7 other companies
James Jeffrey Bernhard Director Jan 1982 1 Nov 2022 8 other companies
Angelique Crosnier Director Oct 1977 15 Jun 2023 1 other company
Iqtidar Ul Hassan Director Feb 1978 15 Jun 2023 10 other companies

Other companies run by these 4 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
17
closed down
4
run together
7

In the full report: all 17 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 companies these 4 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsAudited

Turnover

£15.9m

+22% from £13.1m

Profit before tax

£1.62m

+57% from £1.03m

Net assets

£6.03m

+23% from £4.89m

Cash at bank

£836k

Up £833k from £2,484

Turnover and profit

In the full report: all 6 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company 01806190. 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

Bernhard & Co.’s history from the FCA register and Companies House, newest first.

Key events (6) All events (19)

2025

23 April 2025

  • Changed its registered name from "Bernhard & Company Limited"

FCA register

2023

13 September 2023

  • Bernhard & Co. Holdings Limited took control (75–100% of shares)
  • Stephen Geoffrey Bernhard gave up control

Companies House

2016

31 December 2016

  • Stephen Geoffrey Bernhard took control (75–100% of shares)

Companies House

2015

13 July 2015

  • Became an introducer appointed representative

FCA register

1984

5 April 1984

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (6 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Bernhard & Co.

Other FCA-listed firms that share a director, phone number or address with Bernhard & Co.. 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
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Firms like Bernhard & Co.

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

In Rugby

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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 Bernhard & Co.

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

  • 17 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 19 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Bernhard & Co. Limited FCA authorised?
Bernhard & Co. Limited (FRN 709986) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Bernhard & Co.?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Bernhard & Co. Limited (FRN 709986) introduces customers to Rural Finance Limited (FRN 630701). Any regulated advice or arranging is done by the principal, not Bernhard & Co.. Example: if Bernhard & Co. refers you to a financial adviser, the advice should come from the principal firm, not from Bernhard & Co. itself. 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 Bernhard & Co.’s phone number and website?
The FCA register lists the phone number 07720 460030 and the website bernhard.co.uk for Bernhard & Co.. If you were given different contact details, use these to check with the firm before going any further.
Is Bernhard & Co. a scam or clone?
Bernhard & Co. 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 Bernhard & Co.?
Protection works through Rural Finance Limited, the principal firm responsible for Bernhard & Co.'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bernhard & Co.?
Bernhard & Co. is owned by Bernhard & Co. Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 13 September 2023. Before that, it was controlled by Mr Stephen Geoffrey Bernhard.
Who runs Bernhard & Co.?
Companies House lists 4 directors of Bernhard & Co.: Steven Richard Nixon, James Jeffrey Bernhard, Angelique Crosnier and Iqtidar Ul Hassan.
How long has Bernhard & Co. been in business?
The company was formed on 5 April 1984.
What do Bernhard & Co.’s latest accounts show?
Its latest accounts, to 30 June 2025, show turnover of £15.9m (+22% from £13.1m) and profit before tax of £1.62m (+57% from £1.03m).
Does Bernhard & Co. use any other names?
It has previously used the name Bernhard & Company Limited.

Sources and links

The full report on Bernhard & Co. Limited

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