GWA (UK) Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1992
Accounts filed up to 31 March 2026

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

01243 510650
Address

G W A (uk) Ltd, 97 Barrack Lane, Bognor Regis, West Sussex, PO21 4DX, United Kingdom

In the full report: 2 background checks

What kind of line 01243 510650 is
Who else gives the postcode PO21 4DX

Other names (7)

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

Gwa Cars And Finance Trading name: A name it trades under now.
South Coast Vans Trading name: A name it trades under now.
Southern Car and Van Leasing Trading name: A name it trades under now.
Gwa Cars Former trading name: A name it used to trade under.
Gwa Corporate Finance Former trading name: A name it used to trade under.
Gwa Finance Former trading name: A name it used to trade under.
Gwa Vehicle Contracts Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Lend or arrange credit · Hire out goods to consumers No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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 (7 permissions)

Credit Broking
Debt Adjusting
Debt-counselling
Entering into Regulated Consumer Hire Agreements as owner
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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: 02724347 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 19 June 1992 (34 years old)
Registered office: 130 Shaftesbury Avenue, 2nd Floor, London, W1D 5EU
Nature of business: Sale of new cars and light motor vehicles (SIC 45111)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Gary Stuart Watts	Director	May 1962	10 Jul 1992	5 other companies
Gary Robert Young	Director	Sep 1965	4 Aug 2003	3 other companies
Helen Louise Watts	Director	Mar 1962	20 Feb 2015	None
Rachel Young	Director	Feb 1972	20 Feb 2015	None
Gary Stuart Watts	Secretary	Not published	9 Apr 2001	5 other companies

Other companies run by these 4 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 companies: 6
closed down: 3
is FCA-registered: 1

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 2 companies these 4 directors run together
All 9 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£132k

+25% from £106k

Cash at bank

£308

Down £186 from £494

Employees (average)

7

Same as 7

Owed within a year

£374k

−37% from £590k

Assets and liabilities

In the full report: all 5 years of accounts

Every year from 2019 to 2026
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 02724347. 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

Gwa (UK)’s history from the FCA register and Companies House, newest first.

Key events (7) All events (34)

2016

6 April 2016

Gary Robert Young became a part-owner (25–50% of shares)
Gary Stuart Watts became the majority owner (50–75% of shares)
Helen Louise Watts became the majority owner (50–75% of shares)
Rachel Young became a part-owner (25–50% of shares)

Companies House

11 February 2016

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

1992

19 June 1992

Incorporated at Companies House

Companies House

In the full report: all 34 events

All 34 events in its history (7 shown here)
Every director appointment and resignation: 14

Firms connected to Gwa (UK)

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

connected firm: 1
share its postcode: 1
past link: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates
1 past link through former directors

Firms like Gwa (UK)

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

In Bognor Regis

Bognor Regis Golf ClubBognor RegisAuthorised Just Value IT LimitedBognor RegisAuthorised Nicholas & Co Fine Jewellery LimitedBognor RegisAuthorised

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 Gwa (UK)

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

6 other companies its directors have run, named
2 background checks on its contact details
5 years of accounts, charted
All 34 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is GWA (UK) Limited FCA authorised?

Yes, GWA (UK) Limited (FRN 674099) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is Gwa (UK)’s phone number?

The FCA register lists the phone number 01243 510650 for Gwa (UK). If you were given different contact details, use these to check with the firm before going any further.

Is Gwa (UK) a scam or clone?

Gwa (UK) 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 Gwa (UK)?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Gwa (UK) handles your money, so check the specific product before you commit. You can also refer complaints about Gwa (UK) to the Financial Ombudsman Service, free of charge.

Who owns Gwa (UK)?

Companies House lists 4 people with significant control of Gwa (UK): Mr Gary Stuart Watts (50–75% of shares), Helen Louise Watts (50–75% of shares), Rachel Young (25–50% of shares) and Gary Robert Young (25–50% of shares).

Who runs Gwa (UK)?

Companies House lists 4 directors of Gwa (UK): Gary Stuart Watts, Gary Robert Young, Helen Louise Watts and Rachel Young.

How long has Gwa (UK) been in business?

The company was formed on 19 June 1992, and has held its current FCA authorisation since February 2016.

What do Gwa (UK)’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £132k (+25% from £106k) and cash at bank of £308 (down £186 from £494).

Does Gwa (UK) use any other names?

It trades as Gwa Cars And Finance, South Coast Vans and Southern Car and Van Leasing. It has previously used 4 other names, including Gwa Cars, Gwa Corporate Finance and Gwa Finance.