Compass Financial Solutions Ltd
Reference number: 230677
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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 22 years
- Protected through the principal
- No FCA actions
- Active company since 2001
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £152k more than it owned
- 1 thing worth a closer look in the background checks
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Compass Financial Solutions Ltd (FRN 230677) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Compass Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Compass Financial Solutions, 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
116 Brompton Road, Knightsbridge, London, SW3 1JJ, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When compass-fs.org first appeared online, and whether it can receive email
- What kind of line 020 3329 0009 is
- Whether SW3 1JJ is a shared office: 116 other firms give it
Other names (2)
If you were contacted under any of these names, it is this firm.
- AIC Financial Former trading name: A name it used to trade under.
- Love Mortgages Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, 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 name
- COMPASS FINANCIAL SOLUTIONS LIMITED
- Company number
- 04284518 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 September 2001 (25 years old)
- Registered office
- Office 117 The Epicentre, Enterprise Way, Haverhill, Suffolk, CB9 7LR, 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 |
|---|---|---|---|---|
| Christopher Paul Winnett | Director | Jul 1962 | 10 Sep 2001 | 3 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
- 3
- closed down
- 1
- still active
- 2
In the full report: all 3 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 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£152k
Down £105k from −£47.5k
Cash at bank
£0
No earlier figure to compare
Employees (average)
11
+22% from 9
Owed within a year
£370k
+95% from £190k
Net assets are negative: on its last balance sheet the company owed £152k more than it owned.
Assets and liabilities
In the full report: all 6 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 04284518. 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
Compass Financial Solutions’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Christopher Paul Winnett gained significant control
Companies House
2003
29 December 2003
- Became an appointed representative
FCA register
2001
10 September 2001
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (3 shown here)
- Every director appointment and resignation: 3
Firms like Compass Financial Solutions
Other firms of the same type (financial adviser), nearest first.
In London
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 Compass Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
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What is Compass Financial Solutions’ phone number and website?
Is Compass Financial Solutions a scam or clone?
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Who owns Compass Financial Solutions?
Who runs Compass Financial Solutions?
How long has Compass Financial Solutions been in business?
What do Compass Financial Solutions’ latest accounts show?
Does Compass Financial Solutions 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