Four Nations Ltd
Reference number: 952668
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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 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 October 2025
- 1 thing worth a closer look in the background checks
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.
- Four Nations Ltd (FRN 952668) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Four Nations's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Four Nations, 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
124 City Road, London, EC1V 2NX, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When four-nations.co.uk first appeared online, and whether it can receive email
- What kind of line 07966 392416 is
- Whether EC1V 2NX is a shared office: 214 other firms give it
Other names (6)
If you were contacted under any of these names, it is this firm.
- Findamortgageadviser.com Trading name: A name it trades under now.
- Four Nations Equity Release Trading name: A name it trades under now.
- Four Nations Mortgages Trading name: A name it trades under now.
- Military Mortgage Advice Trading name: A name it trades under now.
- Mortgage Steps Trading name: A name it trades under now.
- Four Nations Financial Advice Former trading name: A name it used to trade under.
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
- 13217084 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 February 2021 (5 years old)
- Registered office
- 124 City Road, London, EC1V 2NX, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Leonard Harris | Director | Nov 1964 | 22 Feb 2021 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£75.3k
+38% from £54.7k
Cash at bank
£139k
+32% from £106k
Employees (average)
3
Same as 3
Owed within a year
£64.7k
+20% from £54.0k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2021 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.
Accounts filed at Companies House for company 13217084. 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
Four Nations’s history from the FCA register and Companies House, newest first.
2021
10 June 2021
- Became an appointed representative
FCA register
25 March 2021
- Lisa Claire Couch became a part-owner (25–50% of shares)
Companies House
22 February 2021
- Incorporated at Companies House
- Paul Leonard Harris became the majority owner (50–75% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms like Four Nations
Other firms of the same type (financial adviser), nearest first.
In London
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 Four Nations
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 5 years of accounts, charted
- All 14 events in its history
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Frequently asked questions about this firm
Is Four Nations Ltd FCA authorised?
What does appointed representative mean for Four Nations?
What is Four Nations’ phone number and website?
Is Four Nations a scam or clone?
Is my money safe with Four Nations?
Who owns Four Nations?
Who runs Four Nations?
How long has Four Nations been in business?
What do Four Nations’ latest accounts show?
Does Four Nations 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