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 13 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 31 March 2025
Responsible principal firm
Advance Mortgage Funding Limited Reference number: 305008 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.
- JP- Finance (UK) Ltd (FRN 596307) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use JP- Finance (UK)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from JP- Finance (UK), 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
-
Phone number
-
Address
Mere House, Chester Road, Mere, Knutsford, Cheshire, WA16 6LF, United Kingdom
In the full report: 2 background checks
- What kind of line 01565 830952 is
- Who else gives the postcode WA16 6LF
Other names (2)
If you were contacted under any of these names, it is this firm.
- JP-Finance Trading name: A name it trades under now.
- Justyna Anna Pupin Former name: A name it was registered under before.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
The 2 FCA warnings these came from
- Jean Pierre Technologies / JP Finance 22 May 2020
- Jean Pierre Technologies / JP Finance 22 May 2020
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Advance Mortgage Funding 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 08944385 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 March 2014 (12 years old)
- Registered office
- Mere House Chester Road, Mere, Knutsford, WA16 6LF, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Justyna Anna Sands | Director | Dec 1979 | 28 Feb 2015 | 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
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£13.3k
Up £12.7k from £631
Cash at bank
£2,998
Up £2,393 from £605
Employees (average)
3
Same as 3
Owed within a year
£45.6k
+16% from £39.4k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- 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 08944385. 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
JP- Finance (UK)’s history from the FCA register and Companies House, newest first.
2020
22 May 2020
- FCA warned the public about a scam impersonating this firm
FCA warning list
2016
6 April 2016
- Justyna Anna Sands took control (75–100% of shares)
Companies House
2015
25 March 2015
- Changed its registered name from "Justyna Anna Pupin"
FCA register
2014
18 March 2014
- Incorporated at Companies House
Companies House
2013
25 February 2013
- Became an appointed representative
FCA register
In the full report: all 11 events
- All 11 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms like JP- Finance (UK)
Other firms of the same type (insurance broker), nearest first.
In Knutsford
In the Warrington (WA) 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 JP- Finance (UK)
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
- 6 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
Is JP- Finance (UK) Ltd FCA authorised?
What does appointed representative mean for JP- Finance (UK)?
What is JP- Finance (UK)’s phone number?
Is JP- Finance (UK) a scam or clone?
Is my money safe with JP- Finance (UK)?
Who owns JP- Finance (UK)?
Who runs JP- Finance (UK)?
How long has JP- Finance (UK) been in business?
What do JP- Finance (UK)’s latest accounts show?
Does JP- Finance (UK) use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: Jean Pierre Technologies / JP Finance fca.org.uk
- FCA warning: Jean Pierre Technologies / JP Finance fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk