Focus Commercial Ltd

Reference number: 750013

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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 focuscommercial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 804 4950 is
  • Who else gives the postcode M3 3HF
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Other names (2)

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

  • Focus Trading name
  • Rosmara Financial Solutions Trading name

FCA permissions and consumer protection

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (3 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Credit Broking

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
08286829
Company status
Active
Company type
Private limited company
Incorporated
8 November 2012 (13 years old)
Registered office
Manchester Spinningfield 10th Floor, 3 Hardman Street, Manchester, Greater Manchester, M3 3HF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Mcnamara Director Dec 1987 8 Nov 2012 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

−£288k

Down £187k from −£101k

Cash at bank

£123

Same as £123

Employees (average)

6

Same as 6

Owed within a year

£335k

+244% from £97.2k

Net assets are negative: on its last balance sheet the company owed £288k more than it owned.

Assets and liabilities

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 08286829. 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

Focus Commercial’s history from the FCA register and Companies House, newest first.

Key events (4) All events (13)

2016

15 September 2016

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

FCA register

6 April 2016

  • Philip McNamara took control (75–100% of shares)

Companies House

2012

8 November 2012

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (4 shown here)
  • Every director appointment and resignation: 5
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Firms like Focus Commercial

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

In Manchester

Clearscore Everywhere LimitedManchesterAuthorisedA Gharial Finance Solutions LimitedManchesterAuthorisedAL Capital LimitedManchesterAuthorisedBA Financial Services LtdManchesterAuthorisedBlanc Property Finance LimitedManchesterAuthorisedBsd Management Consultants LimitedManchesterAuthorised

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 Focus Commercial

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • All 13 events in its history

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Frequently asked questions about this firm

Is Focus Commercial Ltd FCA authorised?
Yes, Focus Commercial Ltd (FRN 750013) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Focus Commercial’s phone number and website?
The FCA register lists the phone number 0161 804 4950 and the website focuscommercial.co.uk for Focus Commercial. If you were given different contact details, use these to check with the firm before going any further.
Is Focus Commercial a scam or clone?
Focus Commercial 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 Focus Commercial?
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 Focus Commercial to the Financial Ombudsman Service, free of charge.
Who owns Focus Commercial?
Companies House lists one person with significant control of Focus Commercial: Mr Philip McNamara (75–100% of shares).
Who runs Focus Commercial?
Companies House lists one director of Focus Commercial: Philip McNamara.
How long has Focus Commercial been in business?
The company was formed on 8 November 2012, and has held its current FCA authorisation since September 2016.
What do Focus Commercial’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of −£288k (down £187k from −£101k) and cash at bank of £123 (same as £123).
Does Focus Commercial use any other names?
It trades as Focus and Rosmara Financial Solutions.

Sources and links

The full report on Focus Commercial Ltd

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