Graham Carter Financial Services Limited

Reference number: 154309

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 grahamcarter.co.uk first appeared online, and whether it can receive email
  • What kind of line 01244 322722 is
  • Who else gives the postcode CH1 3AE
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Other names (1)

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

  • Graham Carter & Co Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Making arrangements with a view to transactions in investments

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
01855866
Company status
Active
Company type
Private limited company
Incorporated
16 October 1984 (42 years old)
Registered office
2 City Road, Chester, CH1 3AE
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Roger Martin Carter Director Dec 1960 12 Oct 1992 5 other companies

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 companies
5
closed down
1
still active
4

In the full report: all 5 companies, 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£72.8k

−6.1% from £77.5k

Cash at bank

£147k

+72% from £85.5k

Employees (average)

3

−25% from 4

Owed within a year

£82.7k

+351% from £18.4k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 01855866. 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

Graham Carter Financial Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (15)

2016

6 April 2016

  • Graham Carter Brokers Ltd took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1995

30 January 1995

  • Regulated by the Personal Investment Authority from this date

FCA register

1984

16 October 1984

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Graham Carter Financial Services

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Graham Carter Financial Services

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

In Chester

1FS LtdChesterAuthorisedAndrew Lucas Wealth Management LimitedChesterAuthorisedCestrian Financial Planning Services LimitedChesterAuthorisedFinancial Fortress LimitedChesterAuthorisedGriffin Wealth Management LtdChesterAuthorisedHartey Wealth Management LimitedChesterAuthorised

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 Graham Carter Financial Services

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Graham Carter Financial Services Limited FCA authorised?
Yes, Graham Carter Financial Services Limited (FRN 154309) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Graham Carter Financial Services’ phone number and website?
The FCA register lists the phone number 01244 322722 and the website grahamcarter.co.uk for Graham Carter Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Graham Carter Financial Services a scam or clone?
Graham Carter Financial Services 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 Graham Carter Financial Services?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Graham Carter Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Graham Carter Financial Services?
Graham Carter Financial Services is owned by Graham Carter Brokers Ltd, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.
Who runs Graham Carter Financial Services?
Companies House lists one director of Graham Carter Financial Services: Roger Martin Carter.
How long has Graham Carter Financial Services been in business?
The company was formed on 16 October 1984, and has held its current FCA authorisation since December 2001.
What do Graham Carter Financial Services’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £72.8k (−6.1% from £77.5k) and cash at bank of £147k (+72% from £85.5k).
Does Graham Carter Financial Services use any other names?
It trades as Graham Carter & Co.

Sources and links

The full report on Graham Carter Financial Services Limited

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