Beswicks Financial Limited

Reference number: 805939

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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

Mamucium Capital Limited Reference number: 767090 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.
  • Beswicks Financial Limited (FRN 805939) is an AR of Mamucium Capital Limited (FRN 767090). When you use Beswicks Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Beswicks 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.

  • No website on the FCA register

  • Phone number

    07928 612252

  • Address

    Sigma House, Lakeside, Festival Way, Stoke-on-Trent, Staffordshire, ST1 5RY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07928 612252 is
  • Who else gives the postcode ST1 5RY
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Other names (1)

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

  • Zest Wealth Management Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mamucium Capital 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
11199144
Company status
Active
Company type
Private limited company
Incorporated
12 February 2018 (8 years old)
Registered office
West Court, Campbell Road, Stoke-On-Trent, ST4 4FB, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Gary Neil Mellor Director May 1962 12 Feb 2018 3 other companies
Nicholas David Phillips Director Oct 1972 12 Feb 2018 5 other companies
Manuel Cabrejas Director Mar 1973 15 Mar 2018 1 other company

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
8
closed down
3
is FCA-registered
1

In the full report: all 8 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 one on the FCA register
  • The 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Total equity

£3,809

−26% from £5,150

Employees (average)

3

Same as 3

Owed within a year

£19.5k

−49% from £38.6k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 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 11199144. 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

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

Key events (6) All events (9)

2019

23 April 2019

  • Changed its registered name from "Zest Wealth Management Limited"

FCA register

2018

6 April 2018

  • Became an appointed representative

FCA register

15 March 2018

  • Manuel Cabrejas became a part-owner (25–50% of shares)
  • Nicholas David Phillips gave up control

Companies House

12 February 2018

  • Incorporated at Companies House
  • Nicholas David Phillips took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Beswicks Financial

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Beswicks Financial

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

In Stoke-on-Trent

Adrian White Wealth Management LimitedStoke-on-TrentAppointed representativeAskey & Sutcliffe Associates LtdStoke-on-TrentAppointed representativeCarl DickinsonStoke-On-TrentAppointed representativeDino VisserStoke-On-TrentAppointed representativeElite Financial Solutions (UK) LimitedStoke-on-TrentAppointed representativeElsby Associates LimitedStoke-On-TrentAppointed 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 Beswicks Financial

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

  • 8 other companies its directors have run, named
  • 2 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 Beswicks Financial Limited FCA authorised?
Beswicks Financial Limited (FRN 805939) 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 Beswicks 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. Beswicks Financial Limited (FRN 805939) is an AR of Mamucium Capital Limited (FRN 767090). When you use Beswicks Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Beswicks 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 Beswicks Financial’s phone number?
The FCA register lists the phone number 07928 612252 for Beswicks Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Beswicks Financial a scam or clone?
Beswicks 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 Beswicks Financial?
Protection works through Mamucium Capital Limited, the principal firm responsible for Beswicks Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Beswicks Financial?
Companies House lists one person with significant control of Beswicks Financial: Mr Manuel Cabrejas (25–50% of shares). Before that, it was controlled by Mr Nicholas David Phillips.
Who runs Beswicks Financial?
Companies House lists 3 directors of Beswicks Financial: Gary Neil Mellor, Nicholas David Phillips and Manuel Cabrejas.
How long has Beswicks Financial been in business?
The company was formed on 12 February 2018.
What do Beswicks Financial’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £3,809 (−26% from £5,150).
Does Beswicks Financial use any other names?
It has previously used the name Zest Wealth Management Limited.

Sources and links

The full report on Beswicks Financial Limited

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