Cowens Mortgage Solutions Limited: FCA regulated?

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 2021
Accounts filed up to 31 March 2025
On its latest accounts it owed £110k more than it owned

Responsible principal firm

R.A. Cowen & Partners (Financial Services) Limited Reference number: 126112 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.
Cowens Mortgage Solutions Limited (FRN 967252) is an AR of R.A. Cowen & Partners (Financial Services) Limited (FRN 126112). When you use Cowens Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Cowens Mortgage 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.

Website

cowensgroup.co.uk (opens in a new tab)
Phone number

01623 666123
Address

20 Regent Street, Nottingham, Nottingham, NG1 5BQ, United Kingdom

In the full report: 3 background checks

When cowensgroup.co.uk first appeared online, and whether it can receive email
What kind of line 01623 666123 is, and the 2 other firms that give it
Who else gives the postcode NG1 5BQ

Other names (2)

If you were contacted under any of these names, it is this firm.

Cowens Trading name: A name it trades under now.
Cowens Financial Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through R.A. Cowen & Partners (Financial Services) 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 number: 13692674 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 October 2021 (5 years old)
Registered office: 20 Regent Street, Nottingham, NG1 5BQ, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David Thomas Carroll	Director	Apr 1981	20 Oct 2021	2 other companies
Paul Chaplin	Director	Jul 1961	20 Oct 2021	None
Larysa Rundle	Director	Mar 1988	20 Oct 2021	None
Philippe Edward David Michou	Director	Oct 1989	1 Jun 2023	2 other companies

Other companies run by these 4 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: 2
still active: 2
are FCA-registered: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 4 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 4 directors run together
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

−£110k

Down £16.7k from −£93.0k

Cash at bank

£5,681

−53% from £12.2k

Employees (average)

7

+17% from 6

Owed within a year

£116k

+9.5% from £106k

Total equity is negative: on its last balance sheet the company owed £110k more than it owned.

Assets and liabilities

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 13692674. 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

Cowens Mortgage Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (15)

2022

11 January 2022

Became an appointed representative

FCA register

2021

20 October 2021

Incorporated at Companies House
Bohdan Danylevych became a part-owner (25–50% of shares)
Grazyna Danuta Kuchta became a part-owner (25–50% of shares)
Michael Kuchta became a part-owner (25–50% of shares)
Slavomir Kuchta became a part-owner (25–50% of shares)

Companies House

In the full report: all 15 events

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

Firms connected to Cowens Mortgage Solutions

Other FCA-listed firms that share a director, phone number or address with Cowens Mortgage Solutions. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 5
share a director: 2
share its phone number: 2

In the full report: all 5 connected firms, named

How each is linked: shared directors (2), the same phone number (2), the same postcode (5)
Who links each one: the named directors, with dates

Firms like Cowens Mortgage Solutions

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

In Nottingham

Andrew Brian RobinsonNottinghamAppointed representative best4finance LimitedNottinghamAppointed representative Blue Peak Finance LimitedNottinghamAppointed representative BZS Mortgages LtdNottinghamAppointed representative Capexpand LtdNottinghamAppointed representative Casa UK Mortgages LtdNottinghamAppointed representative

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 Cowens Mortgage Solutions

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

2 other companies its directors have run, named
3 background checks on its contact details
All 15 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cowens Mortgage Solutions Limited FCA authorised?

Cowens Mortgage Solutions Limited (FRN 967252) 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 Cowens Mortgage Solutions?

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. Cowens Mortgage Solutions Limited (FRN 967252) is an AR of R.A. Cowen & Partners (Financial Services) Limited (FRN 126112). When you use Cowens Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cowens Mortgage 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.

What is Cowens Mortgage Solutions’ phone number and website?

The FCA register lists the phone number 01623 666123 and the website cowensgroup.co.uk for Cowens Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.

Is Cowens Mortgage Solutions a scam or clone?

Cowens Mortgage Solutions 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 Cowens Mortgage Solutions?

Protection works through R.A. Cowen & Partners (Financial Services) Limited, the principal firm responsible for Cowens Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Cowens Mortgage Solutions?

Companies House lists 4 people with significant control of Cowens Mortgage Solutions: Bohdan Danylevych (25–50% of shares), Mr Slavomir Kuchta (25–50% of shares), Mrs Grazyna Danuta Kuchta (25–50% of shares) and Michael Kuchta (25–50% of shares).

Who runs Cowens Mortgage Solutions?

Companies House lists 4 directors of Cowens Mortgage Solutions: David Thomas Carroll, Paul Chaplin, Larysa Rundle and Philippe Edward David Michou.

How long has Cowens Mortgage Solutions been in business?

The company was formed on 20 October 2021.

What do Cowens Mortgage Solutions’ latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of −£110k (down £16.7k from −£93.0k) and cash at bank of £5,681 (−53% from £12.2k).

Does Cowens Mortgage Solutions use any other names?

It trades as Cowens and Cowens Financial.