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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 December 2025
Responsible principal firm
Connect IFA Ltd Reference number: 441505 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.
- COTTERELL & COTTERELL COMMERCIAL FINANCE LIMITED (FRN 979030) is an AR of Connect IFA Ltd (FRN 441505). When you use COTTERELL & COTTERELL COMMERCIAL FINANCE's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from COTTERELL & COTTERELL COMMERCIAL 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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No website on the FCA register
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Phone number
-
Address
The Colonnades, 9-10 Bath Street, Bath, Bath And North East Somerset, BA1 1SN, United Kingdom
In the full report: 2 background checks
- What kind of line 01225 433399 is
- Who else gives the postcode BA1 1SN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Connect IFA Ltd, 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
- 12882860 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 September 2020 (6 years old)
- Registered office
- 9-10 Bath Street, Bath, BA1 1SN, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Elliot Andrew Cotterell | Director | Jan 1994 | 16 Sep 2020 | 2 other companies |
| Oliver William Henry Cotterell | Director | Jul 1992 | 16 Sep 2020 | 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
- 5
- closed down
- 1
- are FCA-registered
- 2
In the full report: all 5 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 2 on the FCA register
- The 2 companies these 2 directors run together
Filed accounts and finances
Net assets
£9,460
No earlier figure to compare
Cash at bank
£7,636
+621% from £1,059
Employees (average)
2
Same as 2
Owed within a year
£90.3k
Up £89.4k from £927
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2022 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 12882860. 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
Cotterell & Cotterell Commercial Finance’s history from the FCA register and Companies House, newest first.
2024
27 December 2024
- Elliot Andrew Cotterell stopped being a part-owner
Companies House
2022
13 July 2022
- Became an appointed representative
FCA register
2020
16 September 2020
- Incorporated at Companies House
- Elliot Andrew Cotterell became a part-owner (25–50% of shares)
- Oliver William Henry Cotterell took control (75–100% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (5 shown here)
- Every director appointment and resignation: 2
Firms connected to Cotterell & Cotterell Commercial Finance
Other FCA-listed firms that share a director, phone number or address with Cotterell & Cotterell Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- share its postcode
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like Cotterell & Cotterell Commercial Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bath
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 Cotterell & Cotterell Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 8 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