Cleddau Financial Services Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1998
Accounts filed up to 31 March 2025

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.

Website

cleddaufinancial.com (opens in a new tab)
Phone number

01646 602088
Address

56 High Street, Neyland, Milford Haven, Pembrokeshire, SA73 1TF, United Kingdom

In the full report: 3 background checks

When cleddaufinancial.com first appeared online, and whether it can receive email
What kind of line 01646 602088 is
Who else gives the postcode SA73 1TF

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (11 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on Pension Transfers and Pension Opt Outs
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 03664745 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 November 1998 (27 years old)
Registered office: 56 High Street, Neyland, Milford Haven, SA73 1TF, Wales
Nature of business: Life insurance (SIC 65110)
Pension funding (SIC 65300)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Morris North	Director	Oct 1968	21 Dec 1998	4 other companies
James North	Director	Oct 1990	1 Apr 2021	None
Sally Ann North	Secretary	Not published	6 May 2004	–

Other companies run by these 2 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: 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 these 2 directors sit on each board, and since when
Any that went into liquidation or administration
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

£426k

+1.3% from £421k

Cash at bank

£203k

+21% from £167k

Employees (average)

9

Up 9 from 0

Owed within a year

£50.6k

+25% from £40.4k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 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 03664745. 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

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

Key events (5) All events (15)

2016

10 November 2016

Andrew Morris North took control (75–100% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

4 January 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1998

10 November 1998

Incorporated at Companies House

Companies House

In the full report: all 15 events

All 15 events in its history (5 shown here)
Every director appointment and resignation: 6

Firms like Cleddau Financial Services

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

In the Swansea (SA) postcode area

Affinity Financial Management LimitedCarmarthenAuthorised AJH Financial Services LtdSwanseaAuthorised Aled Williams Financial Management LtdSwanseaAuthorised Alexander Douglas LimitedSwanseaAuthorised Amber Solutions Financial Planning LLPLlanelliAuthorised Arian Financial Planning LtdLlanelliAuthorised

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 Cleddau Financial Services

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
3 background checks on its contact details
6 years of accounts, charted
All 15 events in its history

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Frequently asked questions about this firm

Is Cleddau Financial Services Limited FCA authorised?

Yes, Cleddau Financial Services Limited (FRN 409895) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Cleddau Financial Services’ phone number and website?

The FCA register lists the phone number 01646 602088 and the website cleddaufinancial.com for Cleddau Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Cleddau Financial Services a scam or clone?

Cleddau Financial Services 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 Cleddau Financial Services?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Cleddau Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Cleddau Financial Services?

Companies House lists one person with significant control of Cleddau Financial Services: Mr Andrew Morris North (75–100% of shares).

Who runs Cleddau Financial Services?

Companies House lists 2 directors of Cleddau Financial Services: Andrew Morris North and James North.

How long has Cleddau Financial Services been in business?

The company was formed on 10 November 1998, and has held its current FCA authorisation since January 2005.

What do Cleddau Financial Services’ latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of £426k (+1.3% from £421k) and cash at bank of £203k (+21% from £167k).