Heatons Financial Services Ltd

Reference number: 763623

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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

TMG Direct Limited Reference number: 786245 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.
  • Heatons Financial Services Ltd (FRN 763623) is an AR of TMG Direct Limited (FRN 786245). When you use Heatons Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Heatons 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.

  • No website on the FCA register

  • Phone number

    07913 652970

  • Address

    1 Heddon Close, Stockport, Greater Manchester, SK4 3RS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07913 652970 is
  • Who else gives the postcode SK4 3RS
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Other names (1)

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

  • John Unwin Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TMG Direct 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
11420309
Company status
Active
Company type
Private limited company
Incorporated
18 June 2018 (8 years old)
Registered office
1 Heddon Close, Heaton Mersey, Stockport, Cheshire, SK4 3RS, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
John Stanley Unwin Director Jun 1957 18 Jun 2018 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
closed down
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
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£21.3k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£6,000

−13% from £6,876

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
Instant PDF download
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 11420309. 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

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

Key events (4) All events (7)

2018

16 November 2018

  • Changed its registered name from "John Unwin"

FCA register

18 June 2018

  • Incorporated at Companies House
  • John Stanley Unwin took control (75–100% of shares)

Companies House

2016

3 November 2016

  • Became an appointed representative

FCA register

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Heatons Financial Services

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

In Stockport

Andy HinkinsStockportAppointed representativeBirchall Gregory LtdStockportAppointed representativeC & C Employee Benefits LimitedStockportAppointed representativeContractors and General Insurance Services LimitedStockportAppointed representativeElm Risk Solutions LtdStockportAppointed representativeFederation of Window CleanersStockportAppointed 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 Heatons Financial Services

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

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Frequently asked questions about this firm

Is Heatons Financial Services Ltd FCA authorised?
Heatons Financial Services Ltd (FRN 763623) 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 Heatons Financial Services?
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. Heatons Financial Services Ltd (FRN 763623) is an AR of TMG Direct Limited (FRN 786245). When you use Heatons Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Heatons 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.
What is Heatons Financial Services’ phone number?
The FCA register lists the phone number 07913 652970 for Heatons Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Heatons Financial Services a scam or clone?
Heatons 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 Heatons Financial Services?
Protection works through TMG Direct Limited, the principal firm responsible for Heatons Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Heatons Financial Services?
Companies House lists one person with significant control of Heatons Financial Services: Mr John Stanley Unwin (75–100% of shares).
Who runs Heatons Financial Services?
Companies House lists one director of Heatons Financial Services: John Stanley Unwin.
How long has Heatons Financial Services been in business?
The company was formed on 18 June 2018.
What do Heatons Financial Services’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £21.3k (no earlier figure to compare).
Does Heatons Financial Services use any other names?
It has previously used the name John Unwin.

Sources and links

The full report on Heatons Financial Services Ltd

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