Financial Solutions NW Ltd
Reference number: 413035
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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.
- Appointed for 21 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 31 December 2024
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 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 Solutions NW Ltd (FRN 413035) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Financial Solutions NW's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Financial Solutions NW, 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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Phone number
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Address
561 Bury Road, Rochdale, Lancashire, OL11 4DQ, United Kingdom
In the full report: 3 background checks
- When fsnwltd.co.uk first appeared online, and whether it can receive email
- What kind of line 01706 863475 is
- Who else gives the postcode OL11 4DQ
Other names (2)
If you were contacted under any of these names, it is this firm.
- Financial Solutions Trading name: A name it trades under now.
- Cowell & Norford Financial Services Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter 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, 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
- 09987508 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 February 2016 (10 years old)
- Registered office
- 561 Bury Road, Rochdale, OL11 4DQ, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Andrew Allwork | Director | Jan 1978 | 4 Feb 2016 | 3 other companies |
| Michael John Cowell | Director | Apr 1965 | 4 Feb 2016 | 19 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
- 22
- closed down
- 7
- still active
- 15
In the full report: all 22 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
Filed accounts and finances
Employees (average)
3
Same as 3
In the full report: all 5 years of accounts
- Every year from 2020 to 2024
- 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 09987508. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Financial Solutions NW’s history from the FCA register and Companies House, newest first.
2017
21 August 2017
- Changed its registered name from "Financial Solutions NW Ltd"
FCA register
2 February 2017
- James Andrew Allwork became a part-owner (25–50% of shares)
- Michael John Cowell became a part-owner (25–50% of shares)
Companies House
2016
14 December 2016
- Changed its registered name from "Cowell & Norford Financial Services Ltd"
FCA register
4 February 2016
- Incorporated at Companies House
Companies House
2004
16 November 2004
- Became an appointed representative
FCA register
In the full report: all 13 events
- All 13 events in its history (6 shown here)
- Every director appointment and resignation: 2
Firms connected to Financial Solutions NW
Other FCA-listed firms that share a director, phone number or address with Financial Solutions NW. 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
Firms like Financial Solutions NW
Other firms of the same type (financial adviser), nearest first.
In Rochdale
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 Solutions NW
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 22 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 13 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Financial Solutions NW’s latest accounts show?
Does Financial Solutions NW 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