HWIFM Ltd

Reference number: 994212

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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 hwifm.co.uk first appeared online, and whether it can receive email
  • What kind of line 01606 338914 is
  • Who else gives the postcode CW4 8AX
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Other names (1)

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

  • HW Independent Financial Management 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.
  • Lend or arrange credit 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 (6 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
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
13569172
Company status
Active
Company type
Private limited company
Incorporated
16 August 2021 (5 years old)
Registered office
1 Allum Brook Barns, London Road, Holmes Chapel, Cheshire, CW4 8AX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gary Peter Makin Director Aug 1983 16 Aug 2021 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
still active
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 31 December 2025Small company accountsNot audited

Net assets

£188k

+43% from £131k

Cash at bank

£145k

+32% from £110k

Employees (average)

13

Same as 13

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13569172. 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

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

Key events (7) All events (12)

2023

9 October 2023

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
  • Became authorised by the FCA

FCA register

15 March 2023

  • Gary Peter Makin gave up control
  • Howard Worth Ltd took control (75–100% of shares)

Companies House

2021

16 August 2021

  • Incorporated at Companies House
  • Gary Peter Makin took control (75–100% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 1
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Firms like Hwifm

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

In Crewe

Lifewing Consultants LimitedCreweAuthorisedPersonal Financial Planning LimitedCreweAuthorisedQuinn & Company (Financial Services) LimitedCreweAuthorisedSean McCabe (Financial Adviser) LimitedCreweAuthorisedBanks Sheridan Wealth LtdCreweAppointed representativeColin IlesCreweAppointed 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 Hwifm

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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is HWIFM Ltd FCA authorised?
Yes, HWIFM Ltd (FRN 994212) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2023 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Hwifm’s phone number and website?
The FCA register lists the phone number 01606 338914 and the website hwifm.co.uk for Hwifm. If you were given different contact details, use these to check with the firm before going any further.
Is Hwifm a scam or clone?
Hwifm 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 Hwifm?
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 Hwifm to the Financial Ombudsman Service, free of charge.
Who owns Hwifm?
Hwifm is owned by Howard Worth Ltd, which holds 75–100% of shares and 75–100% of votes, since 15 March 2023. Before that, it was controlled by Mr Gary Peter Makin.
Who runs Hwifm?
Companies House lists one director of Hwifm: Gary Peter Makin.
How long has Hwifm been in business?
The company was formed on 16 August 2021, and has held its current FCA authorisation since October 2023.
What do Hwifm’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £188k (+43% from £131k) and cash at bank of £145k (+32% from £110k).
Does Hwifm use any other names?
It trades as HW Independent Financial Management.

Sources and links

The full report on HWIFM Ltd

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