Clifton Private Finance Limited
Reference number: 766063
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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.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 30 April 2026
Responsible principal firm
Fair Investment Company Limited Reference number: 192852 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.
- Clifton Private Finance Limited (FRN 766063) is an AR of Fair Investment Company Limited (FRN 192852). When you use Clifton Private Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Clifton Private Finance, 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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Phone number
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Address
Office 10, 2 Portland Street, Clifton, Bristol, Somerset, BS8 4JH, United Kingdom
In the full report: 3 background checks
- When cliftonpf.co.uk first appeared online, and whether it can receive email
- What kind of line 0117 959 5094 is
- Who else gives the postcode BS8 4JH
Other names (3)
If you were contacted under any of these names, it is this firm.
- www.cliftonpf.com Trading name: A name it trades under now.
- www.cliftonpf.co.uk Trading name: A name it trades under now.
- Clifton International Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Fair Investment Company 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, 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
- 10409752 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 October 2016 (10 years old)
- Registered office
- 2 Portland Street, Clifton, Bristol, BS8 4JH, 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 |
|---|---|---|---|---|
| James Alexander Caldwell | Director | Jan 1968 | 4 Oct 2016 | 8 other companies |
| Oliver Roylance-Smith | Director | Sep 1975 | 4 Oct 2016 | 5 other companies |
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
- 9
- closed down
- 4
- is FCA-registered
- 1
In the full report: all 9 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
- The one on the FCA register
- The 4 companies these 2 directors run together
Filed accounts and finances
Net assets
£337k
−4.9% from £354k
Cash at bank
£105k
+223% from £32.5k
Employees (average)
37
−14% from 43
Owed within a year
£254k
+29% from £197k
Assets and liabilities
In the full report: all 8 years of accounts
- Every year from 2019 to 2026
- 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 10409752. 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
Clifton Private Finance’s history from the FCA register and Companies House, newest first.
2022
30 September 2022
- Emma Susan Caldwell became a part-owner (25–50% of shares)
Companies House
2021
15 March 2021
- Neta Roylance-Smith became a part-owner (25–50% of shares)
- Oliver Roylance-Smith stopped being a part-owner
Companies House
2016
1 December 2016
- Became an appointed representative
FCA register
4 October 2016
- Incorporated at Companies House
- James Alexander Caldwell gained significant control
- Oliver Roylance-Smith became a part-owner (25–50% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (7 shown here)
- Every director appointment and resignation: 2
Firms connected to Clifton Private Finance
Other FCA-listed firms that share a director, phone number or address with Clifton Private Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Clifton Private Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bristol
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 Clifton Private Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 9 other companies its directors have run, named
- 3 background checks on its contact details
- 8 years of accounts, charted
- All 14 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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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