Colloco Financial Ltd

Reference number: 609275

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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.
  • Colloco Financial Ltd (FRN 609275) is an AR of First Complete Limited (FRN 435779). When you use Colloco Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Colloco Financial, 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

    07814 677839

  • Address

    82 Norfolk Avenue, South Croydon, Surrey, CR2 8BS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07814 677839 is
  • Who else gives the postcode CR2 8BS
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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
COLLOCO FINANCIAL LIMITED
Company number
08425652
Company status
Active
Company type
Private limited company
Incorporated
1 March 2013 (13 years old)
Registered office
9 Cheam Road, Epsom, KT17 1SP, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Shelley Cordes Director Jun 1984 1 Mar 2013 None
Andrew Turnham Director Nov 1982 1 Mar 2013 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Total equity

£283k

−7.6% from £306k

Employees (average)

2

Same as 2

Owed within a year

£53.2k

−13% from £61.4k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 08425652. 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

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

2016

6 April 2016

  • Andrew John Turnham took control (75–100% of shares)

Companies House

2013

25 October 2013

  • Became an appointed representative

FCA register

1 March 2013

  • Incorporated at Companies House
  • Andrew Turnham appointed as a director
  • Shelley Cordes appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Colloco Financial

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

In South Croydon

D&K Mortgages LtdSouth CroydonAppointed representativeKingsford BlanksonSouth CroydonAppointed representativeMonopoly Mortgages LimitedSouth CroydonAppointed representativePaul John HughesSouth CroydonAppointed representativePercom Financial Services LimitedSouth CroydonAppointed representativeTejinder Pal Singh BakhshiSouth CroydonAuthorised

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 Colloco Financial

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Colloco Financial Ltd FCA authorised?
Colloco Financial Ltd (FRN 609275) 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 Colloco Financial?
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. Colloco Financial Ltd (FRN 609275) is an AR of First Complete Limited (FRN 435779). When you use Colloco Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Colloco Financial, 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 Colloco Financial’s phone number?
The FCA register lists the phone number 07814 677839 for Colloco Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Colloco Financial a scam or clone?
Colloco Financial 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 Colloco Financial?
Protection works through First Complete Limited, the principal firm responsible for Colloco Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Colloco Financial?
Companies House lists one person with significant control of Colloco Financial: Mr Andrew John Turnham (75–100% of shares).
Who runs Colloco Financial?
Companies House lists 2 directors of Colloco Financial: Shelley Cordes and Andrew Turnham.
How long has Colloco Financial been in business?
The company was formed on 1 March 2013.
What do Colloco Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £283k (−7.6% from £306k).

Sources and links

The full report on Colloco Financial Ltd

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