David Carnac Financial Services Limited

Reference number: 413185

Instant download

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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • David Carnac Financial Services Limited (FRN 413185) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use David Carnac Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from David Carnac Financial Services, 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.

In the full report: 3 background checks

  • When davidcarnac.co.uk first appeared online, and whether it can receive email
  • What kind of line 07958 280089 is
  • Who else gives the postcode HA1 2BQ
Instant PDF download
Other names (2)

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

  • David Carnac & Co Trading name
  • David Carnac Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch 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 name
DAVID CARNAC FINANCIAL SERVICES LTD
Company number
09392030
Company status
Active
Company type
Private limited company
Incorporated
16 January 2015 (11 years old)
Registered office
85b Headstone Road, Harrow, HA1 1PG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
David Carnac Director Jun 1962 16 Jan 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£3,103

−80% from £15.8k

Employees (average)

1

Same as 1

Owed within a year

£8,885

+57% from £5,672

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 09392030. 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

David Carnac Financial Services’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

6 April 2016

  • David Carnac took control (75–100% of shares)

Companies House

2015

29 July 2015

  • Changed its registered name from "David Carnac"

FCA register

16 January 2015

  • Incorporated at Companies House

Companies House

2004

31 October 2004

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 3
Instant PDF download

Firms connected to David Carnac Financial Services

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like David Carnac Financial Services

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

In Harrow

Advent Financial Services LtdHarrowAppointed representativeAlpha Mortgage Solutions LtdHarrowAppointed representativeAUM Private LimitedHarrowAppointed representativeColossus Financial Solutions LtdHarrowAppointed representativeFlash Finance LimitedHarrowAppointed representativeFortyOne Money LimitedHarrowAppointed 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 David Carnac Financial Services

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 8 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is David Carnac Financial Services Limited FCA authorised?
David Carnac Financial Services Limited (FRN 413185) 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 David Carnac Financial Services?
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. David Carnac Financial Services Limited (FRN 413185) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use David Carnac Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Carnac Financial Services, 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 David Carnac Financial Services’ phone number and website?
The FCA register lists the phone number 07958 280089 and the website davidcarnac.co.uk for David Carnac Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is David Carnac Financial Services a scam or clone?
David Carnac Financial Services 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 David Carnac Financial Services?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for David Carnac Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns David Carnac Financial Services?
Companies House lists one person with significant control of David Carnac Financial Services: Mr David Carnac (75–100% of shares).
Who runs David Carnac Financial Services?
Companies House lists one director of David Carnac Financial Services: David Carnac.
How long has David Carnac Financial Services been in business?
The company was formed on 16 January 2015.
What do David Carnac Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £3,103 (−80% from £15.8k).
Does David Carnac Financial Services use any other names?
It trades as David Carnac & Co. It has previously used the name David Carnac.

Sources and links

The full report on David Carnac Financial Services Limited

£19.99 · Instant PDF download

Loading secure checkout…