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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 July 2025
- On its latest accounts it owed £3,963 more than it owned
The FCA register does not name a principal for this 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.
- Charlie Bridges Mortgages & Protection Ltd (FRN 843971) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
- Example: if you take financial advice from Charlie Bridges Mortgages & Protection, 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
16 Hermes Way, Sleaford, Lincolnshire, NG34 7WH, United Kingdom
In the full report: 2 background checks
- What kind of line 07493 431405 is
- Who else gives the postcode NG34 7WH
Other names (2)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- Nexus Financial Services Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through 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
- 11888979 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 March 2019 (7 years old)
- Registered office
- 16 Hermes Way, Sleaford, NG34 7WH, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| John Williams | Director | Mar 1983 | 5 Jun 2019 | 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
- 3
- still active
- 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
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£3,963
Up £3,350 from −£7,313
Employees (average)
3
+50% from 2
Owed within a year
£0
−100% from £1,183
Net assets are negative: on its last balance sheet the company owed £3,963 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
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 11888979. 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
Charlie Bridges Mortgages & Protection’s history from the FCA register and Companies House, newest first.
2020
30 June 2020
- Changed its registered name from "Nexus Financial Services Ltd"
FCA register
2019
12 June 2019
- Became an appointed representative
FCA register
5 June 2019
- John Williams took control (75–100% of shares)
- Ross Flanagan gave up control
Companies House
18 March 2019
- Incorporated at Companies House
- John Williams gave up control
- John Williams took control (75–100% of shares)
- Ross Flanagan took control (75–100% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (8 shown here)
- Every director appointment and resignation: 5
Firms like Charlie Bridges Mortgages & Protection
Other firms of the same type (mortgage adviser or broker), nearest first.
In Sleaford
In the Nottingham (NG) postcode area
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 Charlie Bridges Mortgages & Protection
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 14 events in its history
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Frequently asked questions about this firm
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How long has Charlie Bridges Mortgages & Protection been in business?
What do Charlie Bridges Mortgages & Protection’s latest accounts show?
Does Charlie Bridges Mortgages & Protection use any other names?
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