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 13 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 31 March 2025
Responsible principal firm
DAVID WILLIAMS I F A LIMITED Reference number: 530750 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 Williams IFA Mortgage & Insurance Services Ltd (FRN 597007) is an AR of DAVID WILLIAMS I F A LIMITED (FRN 530750). When you use David Williams IFA Mortgage & Insurance Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from David Williams IFA Mortgage & Insurance 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.
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No website on the FCA register
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Phone number
-
Address
5 Waterside Way, Northampton, Northamptonshire, NN4 7XD, United Kingdom
In the full report: 2 background checks
- What kind of line 01604 621302 is, and the 2 other firms that give it
- Who else gives the postcode NN4 7XD
Other names (1)
If you were contacted under any of these names, it is this firm.
- DWIFA Mortgage Services (Incorporating N F S) Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through David Williams I F A 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, 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
- 08351329 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 January 2013 (13 years old)
- Registered office
- 5 Waterside Way, Northampton, NN4 7XD, England
- Nature of business
-
- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicholas David Beal | Director | Dec 1970 | 8 Jan 2013 | 7 other companies |
| Timothy James O'Neill | Director | Oct 1963 | 8 Jan 2013 | 2 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
- 9
- closed down
- 2
- are FCA-registered
- 2
In the full report: all 9 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
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1,000
−96% from £23.6k
Cash at bank
£33.0k
−42% from £57.2k
Employees (average)
20
+11% from 18
Owed within a year
£56.8k
+41% from £40.3k
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
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 08351329. 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
This firm’s history from the FCA register and Companies House, newest first.
2025
24 September 2025
- Christopher Michael Peck stopped being a part-owner
- David Williams I F A Limited took control (75–100% of shares)
- Timothy O'Neil stopped being a part-owner
Companies House
2020
3 April 2020
- Changed its registered name from "DWIFA Mortgage Services (Incorporating N F S) Limited"
FCA register
2018
31 March 2018
- Christopher Michael Peck became a part-owner (25–50% of shares)
- David Williams IFA Limited stopped being a part-owner
Companies House
2016
1 July 2016
- David Williams IFA Limited became a part-owner (25–50% of shares)
- Timothy O'Neil became a part-owner (25–50% of shares)
Companies House
2013
8 March 2013
- Became an appointed representative
FCA register
8 January 2013
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (10 shown here)
- Every director appointment and resignation: 8
Connected firms
Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- share its phone number
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2), the same phone number (2), the same postcode (2)
- Who links each one: the named directors, with dates
Similar firms
Other firms of the same type (financial adviser), nearest first.
In Northampton
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 this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 9 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 18 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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What do David Williams IFA Mortgage & Insurance Services’ latest accounts show?
Does David Williams IFA Mortgage & Insurance Services 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