No longer an appointed representative
This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Registration ended 1 May 1994.
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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Last known phone number
01922 745400
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Last known address
Gainsborough House, 14 Burnett Road, Streetly, Sutton Coldfield, West Midlands, B74 3EJ, United Kingdom
In the full report: 2 background checks
- What kind of line 01922 745400 is
- Who else gives the postcode B74 3EJ
Other names (3)
If you were contacted under any of these names, it is this firm.
- West Midlands Mortgage Centre Trading name: A name it trades under now.
- Centrad Financial Planning Former trading name: A name it used to trade under.
- Paul Carr & Co Former trading name: A name it used to trade under.
Past FCA permissions and consumer protection
- The record is closedCover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.
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
- 03756518 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 April 1999 (27 years old)
- Registered office
- Auckland House, Lydiard Fields, Swindon, SN5 8UB, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Aidan Grant Chavasse | Director | Feb 1993 | 10 Jul 2026 | 8 other companies |
| Erica Mandryko | Secretary | Not published | 23 Jul 2026 | – |
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
- 8
- closed down
- 1
- are FCA-registered
- 4
In the full report: all 8 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 4 on the FCA register
- All 9 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£652k
<1% from £656k
Employees (average)
7
No earlier figure to compare
Owed within a year
£209k
−9.2% from £230k
Net assets
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 03756518. 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
Centrad’s history from the FCA register and Companies House, newest first.
2026
10 July 2026
- Board replaced: all 3 directors left and a new director took over
Companies House
2016
11 October 2016
- Centrad Holdings Limited took control (75–100% of shares)
Companies House
1999
21 April 1999
- Incorporated at Companies House
Companies House
1994
1 May 1994
- Stopped being an appointed representative
FCA register
In the full report: all 24 events
- All 24 events in its history (4 shown here)
- Every director appointment and resignation: 15
Firms connected to Centrad
Other FCA-listed firms that share a director, phone number or address with Centrad. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4)
- Who links each one: the named directors, with dates
Get the full report on Centrad
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 24 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Centrad Limited FCA authorised?
Is Centrad a scam or clone?
Is my money safe with Centrad?
Who owns Centrad?
Who runs Centrad?
How long has Centrad been in business?
What do Centrad’s latest accounts show?
Does Centrad use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk