Gareth Channon Financial Consultancy Ltd

Reference number: 211569

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Gareth Channon Financial Consultancy Ltd (FRN 211569) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Gareth Channon Financial Consultancy's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Gareth Channon Financial Consultancy, 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 gcfcltd.com first appeared online, and whether it can receive email
  • What kind of line 01685 388037 is
  • Who else gives the postcode CF47 0NJ
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Other names (2)

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

  • GCFC Trading name
  • Gareth Channon Financial Consultancy Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
GARETH CHANNON FINANCIAL CONSULTANCY LIMITED
Company number
04685356
Company status
Active
Company type
Private limited company
Incorporated
4 March 2003 (23 years old)
Registered office
5 Elwyn Drive, Thomastown, Merthyr Tydfil, Mid Glamorgan, CF47 0NJ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Life reinsurance (SIC 65201)

Directors and company secretaries

Name Role Born Appointed Other companies
Gareth Richard Channon Director Oct 1968 4 Mar 2003 None
Michelle Channon Director Nov 1970 2 Mar 2009 1 other company
Michelle Channon Secretary Not published 4 Mar 2003 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
still active
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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Total equity

£26.5k

+35% from £19.6k

Employees (average)

3

Same as 3

Owed within a year

£52.2k

−39% from £86.0k

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
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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 04685356. 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

Gareth Channon Financial Consultancy’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2016

6 April 2016

  • Gareth Richard Channon became the majority owner (50–75% of shares)
  • Michelle Channon became a part-owner (25–50% of shares)

Companies House

2003

6 November 2003

  • Changed its registered name from "Gareth Channon Financial Consultancy"

FCA register

4 March 2003

  • Incorporated at Companies House

Companies House

2002

2 May 2002

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Gareth Channon Financial Consultancy

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

In Merthyr Tydfil

Castle Financial Planning LtdMerthyr TydfilAppointed representativeResolute Financial Planning LtdMerthyr TydfilAuthorisedVision Financial Advisers LtdMerthyr TydfilAuthorised

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 Gareth Channon Financial Consultancy

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
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Gareth Channon Financial Consultancy Ltd FCA authorised?
Gareth Channon Financial Consultancy Ltd (FRN 211569) 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 Gareth Channon Financial Consultancy?
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. Gareth Channon Financial Consultancy Ltd (FRN 211569) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Gareth Channon Financial Consultancy's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gareth Channon Financial Consultancy, 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 Gareth Channon Financial Consultancy’s phone number and website?
The FCA register lists the phone number 01685 388037 and the website gcfcltd.com for Gareth Channon Financial Consultancy. If you were given different contact details, use these to check with the firm before going any further.
Is Gareth Channon Financial Consultancy a scam or clone?
Gareth Channon Financial Consultancy 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 Gareth Channon Financial Consultancy?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Gareth Channon Financial Consultancy's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Gareth Channon Financial Consultancy?
Companies House lists 2 people with significant control of Gareth Channon Financial Consultancy: Gareth Richard Channon (50–75% of shares) and Mrs Michelle Channon (25–50% of shares).
Who runs Gareth Channon Financial Consultancy?
Companies House lists 2 directors of Gareth Channon Financial Consultancy: Gareth Richard Channon and Michelle Channon.
How long has Gareth Channon Financial Consultancy been in business?
The company was formed on 4 March 2003.
What do Gareth Channon Financial Consultancy’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £26.5k (+35% from £19.6k).
Does Gareth Channon Financial Consultancy use any other names?
It trades as GCFC. It has previously used the name Gareth Channon Financial Consultancy.

Sources and links

The full report on Gareth Channon Financial Consultancy Ltd

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