Financial Connections Ltd

Reference number: 433131

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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.

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.
  • Financial Connections Ltd (FRN 433131) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Financial Connections's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Financial Connections, 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.

  • No website on the FCA register

  • Phone number

    01926 885533

  • Address

    29 Waterloo Place,, Leamington Spa, Warwickshire, CV32 5LA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01926 885533 is
  • Who else gives the postcode CV32 5LA
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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
FINANCIAL CONNECTIONS LIMITED
Company number
04722802
Company status
Active
Company type
Private limited company
Incorporated
3 April 2003 (23 years old)
Registered office
51 South Street, Isleworth, Middlesex, TW7 7AA
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Christopher Binns Director Jan 1968 3 Apr 2003 2 other companies
Paul David Alexander Secretary Not published 3 Apr 2003 –

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
2
still active
2

In the full report: all 2 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£648

−68% from £2,051

Employees (average)

1

Same as 1

Owed within a year

£10.0k

+7.2% from £9,358

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 04722802. 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

Financial Connections’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2016

6 April 2016

  • Stephen Christopher Binns took control (75–100% of shares)

Companies House

2005

25 May 2005

  • Became an appointed representative

FCA register

2003

3 April 2003

  • Incorporated at Companies House

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Financial Connections

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Financial Connections

Other firms of the same type (insurance broker), nearest first.

In Leamington Spa

Griffiths Financial Planning LimitedLeamington SpaAppointed representativeStephen AllisonLeamington SpaAppointed representativeBowls EnglandLeamington SpaAppointed representative4Corners Property LtdLeamington SpaAppointed representativeKaren Ellis Consultancy LimitedLeamington SpaAppointed representativeDRS Commercial Services LimitedLeamington SpaAuthorised

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 Financial Connections

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Financial Connections Ltd FCA authorised?
Financial Connections Ltd (FRN 433131) 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 Financial Connections?
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. Financial Connections Ltd (FRN 433131) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Financial Connections's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Financial Connections, 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 Financial Connections’ phone number?
The FCA register lists the phone number 01926 885533 for Financial Connections. If you were given different contact details, use these to check with the firm before going any further.
Is Financial Connections a scam or clone?
Financial Connections 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 Financial Connections?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Financial Connections's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Financial Connections?
Companies House lists one person with significant control of Financial Connections: Mr Stephen Christopher Binns (75–100% of shares).
Who runs Financial Connections?
Companies House lists one director of Financial Connections: Stephen Christopher Binns.
How long has Financial Connections been in business?
The company was formed on 3 April 2003.
What do Financial Connections’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £648 (−68% from £2,051).

Sources and links

The full report on Financial Connections Ltd

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