GB Financial Limited: 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 5 years
Protected through the principal
No FCA actions
Active company since 2020
Accounts filed up to 31 December 2025
On its latest accounts it owed £139k more than it owned

Responsible principal firm

GB & Partners Limited Reference number: 711327 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.
GB Financial Limited (FRN 955404) is an AR of GB & Partners Limited (FRN 711327). When you use GB Financial's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from GB 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

01423 790909
Address

14 North Park Road, Harrogate, North Yorkshire, HG1 5PG, United Kingdom

In the full report: 2 background checks

What kind of line 01423 790909 is
Who else gives the postcode HG1 5PG

FCA permissions and consumer protection

Protection through the principal firm
Protection works through GB & Partners 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 number: 12843324 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 28 August 2020 (6 years old)
Registered office: 14 North Park Road, Harrogate, HG1 5PG, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nicholas David Ward	Director	Jul 1967	1 Oct 2021	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
still active: 1
is FCA-registered: 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
The one on the FCA register
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£139k

Down £40.6k from −£98.3k

Cash at bank

£83

No earlier figure to compare

Employees (average)

1

−50% from 2

Net assets are negative: on its last balance sheet the company owed £139k more than it owned.

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.

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

Accounts filed at Companies House for company 12843324. 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

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

Key events (4) All events (7)

2021

1 October 2021

Nicholas David Ward became a part-owner (25–50% of shares)

Companies House

23 July 2021

Became an appointed representative

FCA register

2020

28 August 2020

Incorporated at Companies House
Richard Edward Cook became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms connected to GB Financial

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

connected firms: 2
share a director: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same postcode (2)
Who links each one: the named directors, with dates

Firms like GB Financial

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

In Harrogate

4Life Wealth Management LimitedHarrogateAppointed representative Alastair CrackHarrogateAppointed representative Claire HaydenHarrogateAppointed representative CSM Financial LimitedHarrogateAppointed representative Hallgarth Wealth Planning (Yorkshire) LtdHarrogateAppointed representative Hutchinson WM LtdHarrogateAppointed 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 GB 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
5 years of accounts, charted
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is GB Financial Limited FCA authorised?

GB Financial Limited (FRN 955404) 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 GB 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. GB Financial Limited (FRN 955404) is an AR of GB & Partners Limited (FRN 711327). When you use GB Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from GB 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 GB Financial’s phone number?

The FCA register lists the phone number 01423 790909 for GB Financial. If you were given different contact details, use these to check with the firm before going any further.

Is GB Financial a scam or clone?

GB 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 GB Financial?

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

Who owns GB Financial?

Companies House lists 2 people with significant control of GB Financial: Mr Nicholas David Ward (25–50% of shares) and Mr Richard Edward Cook (25–50% of shares).

Who runs GB Financial?

Companies House lists one director of GB Financial: Nicholas David Ward.

How long has GB Financial been in business?

The company was formed on 28 August 2020.

What do GB Financial’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£139k (down £40.6k from −£98.3k) and cash at bank of £83 (no earlier figure to compare).