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 4 years
- Protected through the principal
- No FCA actions
- Active company since 1997
- Accounts filed up to 31 December 2025
Responsible principal firm
ADARO OPTICS LIMITED Reference number: 924690 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.
- BERWICK UPON TWEED V.E. LIMITED (FRN 985375) is an AR of ADARO OPTICS LIMITED (FRN 924690). When you use BERWICK UPON TWEED V.E.'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from BERWICK UPON TWEED V.E., 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.
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No website on the FCA register
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Phone number
-
Address
49-51 Marygate, Berwick-upon-Tweed, Northumberland, TD15 1AX, United Kingdom
In the full report: 2 background checks
- What kind of line 01289 308181 is
- Who else gives the postcode TD15 1AX
Other names (1)
If you were contacted under any of these names, it is this firm.
- Vision Express Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Adaro Optics 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
- 03325268 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 February 1997 (29 years old)
- Registered office
- Mere Way Ruddington Fields Business Park, Ruddington, Nottingham, Nottinghamshire, NG11 6NZ
- Nature of business
-
- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| ABBEYFIELD VE LIMITED | Corporate director | Not published | 27 Feb 1997 | 133 other companies |
| Matthew John Cornelius Cooper | Director | Dec 1969 | 31 Oct 1998 | 1 other company |
| Sonia Cooper (formerly Howard) | Director | Nov 1973 | 1 Jul 1999 | None |
| ABBEYFIELD VE LIMITED | Corporate secretary | Not published | 2 Dec 1998 | 133 other companies |
Other companies run by these 3 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
- 134
- closed down
- 64
- are FCA-registered
- 60
In the full report: all 134 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 60 on the FCA register, including one no longer authorised
- All 9 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£77.0k
−10% from £86.0k
Net assets
£97.0k
−4% from £101k
Cash at bank
£0
−100% from £2,000
Owed within a year
£153k
+16% from £132k
The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £566k, for the year to 31 December 2021.
Profit before tax
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- Both charts, 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 03325268. 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
Berwick Upon Tweed V.e.’s history from the FCA register and Companies House, newest first.
2022
16 October 2022
- Became an appointed representative
FCA register
2016
6 April 2016
- Abbeyfield V.E. Limited became a part-owner (25–50% of shares)
- Matthew Cooper became a part-owner (25–50% of shares)
- Matthew Cooper stopped being a part-owner
- Sonia Cooper became a part-owner (25–50% of shares)
- Sonia Cooper stopped being a part-owner
Companies House
1997
27 February 1997
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (7 shown here)
- Every director appointment and resignation: 10
Firms like Berwick Upon Tweed V.e.
Other firms of the same type (credit broker), nearest first.
In Berwick-upon-Tweed
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 Berwick Upon Tweed V.e.
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 134 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 18 events in its history
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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