JS&CD Ltd

Reference number: 648528

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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

Ableworld (UK) Limited Reference number: 712197 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.
  • JS&CD Ltd (FRN 648528) is an AR of Ableworld (UK) Limited (FRN 712197). When you use JS&CD's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JS&CD, 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 ableworld.co.uk first appeared online, and whether it can receive email
  • What kind of line 01656 856696 is
  • Who else gives the postcode ST16 1GZ
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Other names (3)

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

  • Ableworld Trading name
  • Ableworld Bridgend Trading name
  • Ableworld Cardiff Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ableworld (UK) 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
09132779
Company status
Active
Company type
Private limited company
Incorporated
15 July 2014 (12 years old)
Registered office
Deans Accountants Gibson House, Hurricane Court, Hurricane Close, Stafford, Staffordshire, ST16 1GZ, England
Nature of business
  • Other retail sale of new goods in specialised stores (not commercial art galleries and opticians) (SIC 47789)

Directors and company secretaries

Name Role Born Appointed Other companies
James Douglas Ferguson Studdart Director Feb 1976 15 Jul 2014 1 other company
Michael James Williams Director Apr 1951 22 Sep 2017 9 other companies

Other companies run by these 2 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
10
closed down
5
are FCA-registered
3

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Small company accountsAudited

Net assets

£105k

+34% from £78.4k

Cash at bank

£92.3k

+101% from £46.0k

Employees (average)

15

Same as 15

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 09132779. 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

Js&cd’s history from the FCA register and Companies House, newest first.

Key events (8) All events (15)

2017

1 September 2017

  • Ableworld (UK) Limited became a part-owner (25–50% of shares)
  • Conway Davies stopped being a part-owner
  • Michael James Williams became a part-owner (25–50% of shares)
  • Michael James Williams stopped being a part-owner

Companies House

2016

6 April 2016

  • Conway Davies became a part-owner (25–50% of shares)
  • James Douglas Ferguson Studdart became a part-owner (25–50% of shares)

Companies House

2014

1 October 2014

  • Became an appointed representative

FCA register

15 July 2014

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Js&cd

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

connected firms
4
share a director
3
share its postcode
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Js&cd

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

In Stafford

VS Tech Limited​StaffordAppointed representativeKutchenhaus Design LimitedStaffordAuthorisedMalibu Hot Tubs LimitedStaffordAuthorisedThe Caravan Place LimitedStaffordAuthorised

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 Js&cd

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is JS&CD Ltd FCA authorised?
JS&CD Ltd (FRN 648528) 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 Js&cd?
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. JS&CD Ltd (FRN 648528) is an AR of Ableworld (UK) Limited (FRN 712197). When you use Js&cd's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Js&cd, 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 Js&cd’s phone number and website?
The FCA register lists the phone number 01656 856696 and the website ableworld.co.uk for Js&cd. If you were given different contact details, use these to check with the firm before going any further.
Is Js&cd a scam or clone?
Js&cd 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 Js&cd?
Protection works through Ableworld (UK) Limited, the principal firm responsible for Js&cd's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Js&cd?
Companies House lists 2 people with significant control of Js&cd: Ableworld (UK) Limited (25–50% of shares) and Mr James Douglas Ferguson Studdart (25–50% of shares). Before that, it was controlled by Mr Michael James Williams and Mr Conway Davies.
Who runs Js&cd?
Companies House lists 2 directors of Js&cd: James Douglas Ferguson Studdart and Michael James Williams.
How long has Js&cd been in business?
The company was formed on 15 July 2014.
What do Js&cd’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £105k (+34% from £78.4k) and cash at bank of £92.3k (+101% from £46.0k).
Does Js&cd use any other names?
It trades as Ableworld, Ableworld Bridgend and Ableworld Cardiff.

Sources and links

The full report on JS&CD Ltd

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