Kernow Kars Ltd

Reference number: 769341

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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 ww.kernowkars.co.uk first appeared online, and whether it can receive email
  • What kind of line 01326 378978 is
  • Who else gives the postcode TR10 9DQ
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FCA permissions and consumer protection

  • 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
09074422
Company status
Active
Company type
Private limited company
Incorporated
6 June 2014 (12 years old)
Registered office
48 Kernick Road, Penryn, Cornwall, TR10 9DQ
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Christian Waterfield Director Sep 1986 12 Nov 2021 None
Ian James Waterfield Director Oct 1951 19 Dec 2022 2 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
2
closed down
2

In the full report: all 2 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£275k

+7.8% from £255k

Cash at bank

£95.3k

−15% from £112k

Employees (average)

5

−17% from 6

Owed within a year

£57.9k

−7.7% from £62.8k

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 09074422. 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

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

Key events (11) All events (21)

2022

28 July 2022

  • Christian Waterfield stopped being a part-owner
  • James Duncan Waterfield stopped being a part-owner

Companies House

2021

12 November 2021

  • Christian Waterfield became a part-owner (25–50% of shares)
  • Christian Waterfield took control (75–100% of shares)
  • James Duncan Waterfield became a part-owner (25–50% of shares)

Companies House

6 November 2021

  • Board replaced: its only director left and 2 new directors took over
  • Ian James Waterfield gave up control

Companies House

2018

11 January 2018

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

FCA register

2016

15 May 2016

  • Ian James Waterfield took control (75–100% of shares)

Companies House

2014

6 June 2014

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (11 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Kernow Kars

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

connected firm
1
share its postcode
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
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Firms like Kernow Kars

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

In Penryn

Rhw Motors LtdPenrynAppointed representative

In the Truro (TR) postcode area

A1carsofcornwall. LtdHelstonAuthorisedAnton Parris (Motor Cycles) LimitedCamborneAuthorisedCollins Of Probus LimitedTruroAuthorisedCornwall Kawasaki Centre LimitedRedruthAuthorisedCornwall Mobility Centre LimitedTruroAuthorised

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 Kernow Kars

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 21 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Kernow Kars Ltd FCA authorised?
Yes, Kernow Kars Ltd (FRN 769341) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2018 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Kernow Kars’ phone number and website?
The FCA register lists the phone number 01326 378978 and the website ww.kernowkars.co.uk for Kernow Kars. If you were given different contact details, use these to check with the firm before going any further.
Is Kernow Kars a scam or clone?
Kernow Kars 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 Kernow Kars?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Kernow Kars handles your money, so check the specific product before you commit. You can also refer complaints about Kernow Kars to the Financial Ombudsman Service, free of charge.
Who owns Kernow Kars?
Companies House lists one person with significant control of Kernow Kars: Mr Christian Waterfield (75–100% of shares). Before that, it was controlled by Mr Ian James Waterfield and Mr James Duncan Waterfield.
Who runs Kernow Kars?
Companies House lists 2 directors of Kernow Kars: Christian Waterfield and Ian James Waterfield.
How long has Kernow Kars been in business?
The company was formed on 6 June 2014, and has held its current FCA authorisation since January 2018.
What do Kernow Kars’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £275k (+7.8% from £255k) and cash at bank of £95.3k (−15% from £112k).

Sources and links

The full report on Kernow Kars Ltd

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