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 23 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 5 April 2026
Responsible principal firm
2 Plan Wealth Management Limited Reference number: 461598 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.
- GRS & Co Financial Services Ltd (FRN 221900) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use GRS & Co Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from GRS & Co Financial Services, 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.
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No website on the FCA register
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Phone number
-
Address
358 New Line, Bacup, Lancashire, OL13 9RY, United Kingdom
In the full report: 2 background checks
- What kind of line 01706 873902 is
- Who else gives the postcode OL13 9RY
Other names (2)
If you were contacted under any of these names, it is this firm.
- Gareth Smith Former name: A name it was registered under before.
- GRS & Co Financial Services Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through 2 Plan Wealth Management 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, freeYou 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
- 14768622 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 March 2023 (3 years old)
- Registered office
- 358 New Line, Bacup, Lancashire, OL13 9RY, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gareth Edwin Keil Smith | Director | Feb 1970 | 30 Mar 2023 | None |
| Beverley Anne Smith | Secretary | Not published | 30 Mar 2023 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£8,650
+32% from £6,546
Employees (average)
2
Same as 2
Owed within a year
£1,311
Up £1,189 from £122
The accounts for the year to 5 April 2026 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is −£15.5k, for the year to 31 March 2024.
Assets and liabilities
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 14768622. 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
GRS & Co Financial Services’s history from the FCA register and Companies House, newest first.
2024
14 March 2024
- Changed its registered name from "Gareth Smith"
FCA register
16 February 2024
- Changed its registered name from "GRS & Co Financial Services"
- Began trading as "GRS & Co Financial Services"
FCA register
2023
30 March 2023
- Incorporated at Companies House
- Gareth Edwin Keil Smith took control (75–100% of shares)
- Gareth Edwin Keil Smith appointed as a director
Companies House
2003
10 January 2003
- Became an appointed representative
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms like GRS & Co Financial Services
Other firms of the same type (financial adviser), nearest first.
In Bacup
In the Oldham (OL) postcode area
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 GRS & Co Financial Services
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
- 2 background checks on its contact details
- All 7 events in its history
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Frequently asked questions about this firm
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What do GRS & Co Financial Services’ latest accounts show?
Does GRS & Co Financial Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk