Front Row Financial Ltd

Reference number: 966767

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Front Row Financial Ltd (FRN 966767) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Front Row Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Front Row Financial, 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.

In the full report: 3 background checks

  • When frontrowfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07557 787253 is
  • Who else gives the postcode OL10 1JZ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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 number
13571047
Company status
Active
Company type
Private limited company
Incorporated
17 August 2021 (5 years old)
Registered office
19 Dovedale Drive, Wardle, Rochdale, OL12 9LR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Lee Worrall Director Nov 1985 17 Aug 2021 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£2,901

−43% from £5,084

Cash at bank

£13.4k

−40% from £22.3k

Employees (average)

2

+100% from 1

Owed within a year

£29.3k

+61% from £18.2k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • 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 13571047. 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

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

2022

5 January 2022

  • Became an appointed representative

FCA register

2021

17 August 2021

  • Incorporated at Companies House
  • Steven Lee Worrall took control (75–100% of shares)
  • Steven Lee Worrall appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Front Row Financial

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Front Row Financial

Other firms of the same type (financial adviser), nearest first.

In Heywood

David Evans Wealth Management LtdHeywoodAppointed representativeMark Edwards Wealth Management LtdHeywoodAppointed representative

In the Oldham (OL) postcode area

Achieve Financial LimitedOldhamAppointed representativeAlbion House Wealth Management LtdOldhamAppointed representativeArmitage Financial Advisers LtdOldhamAppointed representativeAtkinson Financial Planning LimitedRochdaleAppointed representative

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 Front Row Financial

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
  • 4 years of accounts, charted
  • All 4 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Front Row Financial Ltd FCA authorised?
Front Row Financial Ltd (FRN 966767) 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 Front Row Financial?
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. Front Row Financial Ltd (FRN 966767) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Front Row Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Front Row Financial, 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 Front Row Financial’s phone number and website?
The FCA register lists the phone number 07557 787253 and the website frontrowfinancial.co.uk for Front Row Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Front Row Financial a scam or clone?
Front Row Financial 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 Front Row Financial?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Front Row Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Front Row Financial?
Companies House lists one person with significant control of Front Row Financial: Mr Steven Lee Worrall (75–100% of shares).
Who runs Front Row Financial?
Companies House lists one director of Front Row Financial: Steven Lee Worrall.
How long has Front Row Financial been in business?
The company was formed on 17 August 2021.
What do Front Row Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £2,901 (−43% from £5,084) and cash at bank of £13.4k (−40% from £22.3k).

Sources and links

The full report on Front Row Financial Ltd

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