Censeo Ltd

Reference number: 482826

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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

First Complete Limited Reference number: 435779 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.
  • Censeo Ltd (FRN 482826) is an AR of First Complete Limited (FRN 435779). When you use Censeo's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Censeo, 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

    020 7090 7290

  • Address

    Oriel House, 26 The Quadrant, Richmond, TW9 1DL, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 7090 7290 is
  • Who else gives the postcode TW9 1DL
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Other names (2)

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

  • Censeo Financial Trading name
  • Censeo Select Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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 name
CENSEO LIMITED
Company number
06453977
Company status
Active
Company type
Private limited company
Incorporated
14 December 2007 (18 years old)
Registered office
11b Newton Court Westrand, Pendeford Business Park, Wolverhampton, WV9 5HB
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Rupinderjit Hunjan Director Jan 1969 15 Dec 2007 4 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
4
closed down
1
is FCA-registered
1

In the full report: all 4 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
  • The one on the FCA register
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£36.3k

Up £160k from −£196k

Cash at bank

£9,431

No earlier figure to compare

Employees (average)

23

+4.5% from 22

Owed within a year

£180k

−44% from £320k

Net assets are negative: on its last balance sheet the company owed £36.3k more than it owned.

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
Instant PDF download
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 06453977. 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

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

Key events (3) All events (11)

2016

6 April 2016

  • Rupinderjit Hunjan became the majority owner (50–75% of shares)

Companies House

2008

2 May 2008

  • Became an appointed representative

FCA register

2007

14 December 2007

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (3 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Censeo

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

connected firms
4
share its postcode
4
past link
1

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Censeo

Other firms of the same type (mortgage adviser or broker), nearest first.

In Richmond

Claire Hogg Mortgages & Protection LimitedRichmondAppointed representativeDavid Christopher Financial Management LtdRichmondAppointed representativeDRI LtdRichmondAppointed representativeIan UnderwoodRichmondAppointed representativeLuv Financial LtdRichmondAppointed representativeHolbrook Property Finance LimitedRichmondAuthorised

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 Censeo

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

  • 4 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Censeo Ltd FCA authorised?
Censeo Ltd (FRN 482826) 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 Censeo?
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. Censeo Ltd (FRN 482826) is an AR of First Complete Limited (FRN 435779). When you use Censeo's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Censeo, 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 Censeo’s phone number?
The FCA register lists the phone number 020 7090 7290 for Censeo. If you were given different contact details, use these to check with the firm before going any further.
Is Censeo a scam or clone?
Censeo 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 Censeo?
Protection works through First Complete Limited, the principal firm responsible for Censeo's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Censeo?
Companies House lists one person with significant control of Censeo: Mr Rupinderjit Hunjan (50–75% of shares).
Who runs Censeo?
Companies House lists one director of Censeo: Rupinderjit Hunjan.
How long has Censeo been in business?
The company was formed on 14 December 2007.
What do Censeo’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£36.3k (up £160k from −£196k) and cash at bank of £9,431 (no earlier figure to compare).
Does Censeo use any other names?
It trades as Censeo Financial. It has previously used the name Censeo Select.

Sources and links

The full report on Censeo Ltd

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