Fulcrum Financial Ltd: FCA regulated?

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 9 years
Protected through the principal
No FCA actions
Active company since 2017
Accounts filed up to 31 March 2025

Responsible principal firm

First Complete Limited Reference number: 435779 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.
Fulcrum Financial Ltd (FRN 784766) is an AR of First Complete Limited (FRN 435779). When you use Fulcrum Financial's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Fulcrum 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.

No website on the FCA register
Phone number

07932 051340
Address

27 High Petergate, York, North Yorkshire, YO1 7HP, United Kingdom

In the full report: 2 background checks

What kind of line 07932 051340 is
Who else gives the postcode YO1 7HP

Other names (1)

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

Elevation Mortgages Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through First Complete 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, 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 name: FULCRUM FINANCIAL LIMITED
Company number: 10836277 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 26 June 2017 (9 years old)
Registered office: 27 High Petergate, York, North Yorkshire, YO1 7HP, England
Nature of business: Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Roger Parry	Director	Jun 1976	26 Jun 2017	1 other company
Julie Parry	Director	Jan 1970	1 Jan 2018	1 other company

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 company: 1
closed down: 1
run together: 1

In the full report: all 1 company, 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 1 company these 2 directors run together

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£124k

+5.4% from £118k

Employees (average)

4

Same as 4

Owed within a year

£25.0k

+113% from £11.8k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10836277. 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

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

Key events (4) All events (8)

2017

21 July 2017

Became an appointed representative

FCA register

26 June 2017

Incorporated at Companies House
Julie Parry became a part-owner (25–50% of shares)
Roger Parry became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms like Fulcrum Financial

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

In York

Capin Partners LLPYorkAppointed representative Cherry Tree Financial LTDYorkAppointed representative CMM Wealth Management LtdYorkAppointed representative Crossfield Financial PlanningYorkAppointed representative Fewell Wealth Management LimitedYorkAppointed representative Fortus Wealth Management LimitedYorkAppointed 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 Fulcrum Financial

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
2 background checks on its contact details
6 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is Fulcrum Financial Ltd FCA authorised?

Fulcrum Financial Ltd (FRN 784766) 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 Fulcrum 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. Fulcrum Financial Ltd (FRN 784766) is an AR of First Complete Limited (FRN 435779). When you use Fulcrum Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fulcrum 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 Fulcrum Financial’s phone number?

The FCA register lists the phone number 07932 051340 for Fulcrum Financial. If you were given different contact details, use these to check with the firm before going any further.

Is Fulcrum Financial a scam or clone?

Fulcrum 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 Fulcrum Financial?

Protection works through First Complete Limited, the principal firm responsible for Fulcrum Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Fulcrum Financial?

Companies House lists 2 people with significant control of Fulcrum Financial: Mr Roger Parry (25–50% of shares) and Mrs Julie Parry (25–50% of shares).

Who runs Fulcrum Financial?

Companies House lists 2 directors of Fulcrum Financial: Roger Parry and Julie Parry.

How long has Fulcrum Financial been in business?

The company was formed on 26 June 2017.

What do Fulcrum Financial’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £124k (+5.4% from £118k).

Does Fulcrum Financial use any other names?

It trades as Elevation Mortgages.