Financial Expert Partnership Ltd

Reference number: 591556

Instant download

Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 financialexpert.uk.com first appeared online, and whether it can receive email
  • What kind of line 01270 747989 is, and the 2 other firms that give it
  • Who else gives the postcode CW2 7EF
Instant PDF download
Other names (2)

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

  • Financial Expert Trading name
  • Financial Expert Independent Limited Former name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (3)
  • 07462 362353
  • 07462 388533
  • 07922 996542
Fake email addresses (4)
  • leila.valenca@myexpert100.com
  • roman.shelter@myexpert100.com
  • support@myexpert100.com
  • support@myexpert100.net
Fake websites (3)
  • my-expert100.com
  • myexpert100.com
  • myexpert100.net
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
08206179
Company status
Active
Company type
Private limited company
Incorporated
7 September 2012 (14 years old)
Registered office
3 Chester Bridge, Crewe, CW2 7EF, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Julita Nikonowicz Director Aug 1983 7 Sep 2012 6 other companies
Piotr Nikonowicz Director May 1983 20 Sep 2017 14 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
15
closed down
6
are FCA-registered
3

In the full report: all 15 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 3 on the FCA register
  • The 5 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£89.0k

−25% from £119k

Cash at bank

−£3,566

−116% from £23.0k

Employees (average)

5

Same as 5

Owed within a year

−£25.8k

−161% from £42.5k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 08206179. 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 Expert Partnership’s history from the FCA register and Companies House, newest first.

Key events (10) All events (17)

2026

1 September 2026

  • Julita Nikonowicz became a part-owner (25–50% of shares)
  • Piotr Nikonowicz became a part-owner (25–50% of shares)

Companies House

2025

12 May 2025

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2017

18 January 2017

  • Robert John Spence stopped being a part-owner

Companies House

2016

6 April 2016

  • Financial Expert Corporation Ltd took control (75–100% of shares)
  • Robert John Spence became a part-owner (25–50% of shares)

Companies House

12 January 2016

  • Changed its registered name from "Financial Expert Independent Limited"

FCA register

2013

16 April 2013

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2012

7 September 2012

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (10 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms connected to Financial Expert Partnership

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

connected firms
3
share a director
3
share its phone number
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Financial Expert Partnership

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

In Crewe

Amplo Mortgages & Financial SolutionsCreweAppointed representativeLauren MurphyCreweAppointed representative

In the Crewe (CW) postcode area

Gary Andrew VernonNantwichAuthorisedLoan SolutionsNorthwichAuthorisedSolution Mortgages LimitedCongletonAuthorisedWatts Mortgage & Wealth Management LtdNantwichAuthorised

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 Expert Partnership

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history
  • 3 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Financial Expert Partnership Ltd FCA authorised?
Yes, Financial Expert Partnership Ltd (FRN 591556) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2013 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Financial Expert Partnership’s phone number and website?
The FCA register lists the phone number 01270 747989 and the website financialexpert.uk.com for Financial Expert Partnership. 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 Financial Expert Partnership a scam or clone?
Scammers have impersonated Financial Expert Partnership: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Financial Expert Partnership, shown on this page.
Is my money safe with Financial Expert Partnership?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Financial Expert Partnership to the Financial Ombudsman Service, free of charge.
Who owns Financial Expert Partnership?
Financial Expert Partnership is owned by Financial Expert Corporation Ltd, which holds 75–100% of shares, since 6 April 2016. Before that, it was controlled by Mr Robert John Spence.
Who runs Financial Expert Partnership?
Companies House lists 2 directors of Financial Expert Partnership: Julita Nikonowicz and Piotr Nikonowicz.
How long has Financial Expert Partnership been in business?
The company was formed on 7 September 2012, and has held its current FCA authorisation since April 2013.
What do Financial Expert Partnership’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £89.0k (−25% from £119k) and cash at bank of −£3,566 (−116% from £23.0k).
Does Financial Expert Partnership use any other names?
It trades as Financial Expert. It has previously used the name Financial Expert Independent Limited.

Sources and links

The full report on Financial Expert Partnership Ltd

£19.99 · Instant PDF download

Loading secure checkout…