Guardian Trading Limited

Reference number: 1023058

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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

William Ellis Sinclair Reference number: 618190 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.
  • Guardian Trading Limited (FRN 1023058) is an AR of William Ellis Sinclair (FRN 618190). When you use Guardian Trading's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Guardian Trading, 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 guardiantrading.co.uk first appeared online, and whether it can receive email
  • What kind of line 01482 453442 is
  • Who else gives the postcode CF31 1JD
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Other names (20)

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

  • Cash Carrot Trading name
  • Cash Harbour Trading name
  • Cash Kitty Trading name
  • Cash Pug Trading name
  • Cash Reserve UK Trading name
  • Consolidation Experts Trading name
  • Credit Fusion Trading name
  • Flex Repay UK Trading name
  • Loan Lion Trading name
  • loanpulse.co.uk Trading name
  • LoansPulse Trading name
  • Money Mallow Trading name
  • Next Step Cash Trading name
  • Payday Pug Trading name
  • Pay Penguin Trading name
  • Pay Pony Trading name
  • Penny Point Trading name
  • Pocket Zone Trading name
  • simple-financeuk Trading name
  • Smart Loans UK Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through William Ellis Sinclair, 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
11178787
Company status
Active
Company type
Private limited company
Incorporated
31 January 2018 (8 years old)
Registered office
8a Dunraven Place, Bridgend, CF31 1JD, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gareth Paul Carpenter Director Oct 1979 31 Jan 2018 11 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
11
closed down
5
went insolvent
1

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • The one that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Total equity

£203k

Up £200k from £2,474

Cash at bank

£252k

Up £252k from £180

Employees (average)

1

Same as 1

Owed within a year

£118k

Up £114k from £4,500

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 11178787. 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

Guardian Trading’s history from the FCA register and Companies House, newest first.

Key events (4) All events (27)

2025

9 January 2025

  • Became an appointed representative

FCA register

2018

31 January 2018

  • Incorporated at Companies House
  • Gareth Paul Carpenter gained significant control
  • William Ellis Sinclair gained significant control

Companies House

In the full report: all 27 events

  • All 27 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Guardian Trading

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Guardian Trading

Other firms of the same type (credit broker), nearest first.

In Bridgend

Lee PhillipsBridgendAppointed representativeAtts Training LimitedBridgendAppointed representativeBrynwood Holdings LtdBridgendAppointed representativeBume LimitedBridgendAppointed representativeComplete Remedial Solutions (CRS) LtdBridgendAppointed representativeKM Aesthetics (South Wales) LimitedBridgendAppointed 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 Guardian Trading

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 27 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Guardian Trading Limited FCA authorised?
Guardian Trading Limited (FRN 1023058) 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 Guardian Trading?
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. Guardian Trading Limited (FRN 1023058) is an AR of William Ellis Sinclair (FRN 618190). When you use Guardian Trading's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Guardian Trading, 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 Guardian Trading’s phone number and website?
The FCA register lists the phone number 01482 453442 and the website guardiantrading.co.uk for Guardian Trading. If you were given different contact details, use these to check with the firm before going any further.
Is Guardian Trading a scam or clone?
Guardian Trading 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 Guardian Trading?
Protection works through William Ellis Sinclair, the principal firm responsible for Guardian Trading's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Guardian Trading?
Companies House lists 2 people with significant control of Guardian Trading: Mr William Ellis Sinclair (significant influence or control) and Mr Gareth Paul Carpenter (significant influence or control).
Who runs Guardian Trading?
Companies House lists one director of Guardian Trading: Gareth Paul Carpenter.
How long has Guardian Trading been in business?
The company was formed on 31 January 2018.
What do Guardian Trading’s latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of £203k (up £200k from £2,474) and cash at bank of £252k (up £252k from £180).
Does Guardian Trading use any other names?
It trades as Cash Carrot, Cash Harbour, Cash Kitty, Cash Pug and Cash Reserve UK, and 15 more names.

Sources and links

The full report on Guardian Trading Limited

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