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 14 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 30 November 2025
Responsible principal firm
Sense Network Limited Reference number: 465124 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.
- Kinloch Ward Financial Services Ltd (FRN 580280) is an AR of Sense Network Limited (FRN 465124). When you use Kinloch Ward Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Kinloch Ward 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.
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No website on the FCA register
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Phone number
-
Address
14 Lumber Lane, Worsley, Manchester, Lancs, M28 2QH, United Kingdom
In the full report: 2 background checks
- What kind of line 07753 774664 is
- Who else gives the postcode M28 2QH
Other names (1)
If you were contacted under any of these names, it is this firm.
- Kinloch Ward Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sense Network 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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- KINLOCH WARD FINANCIAL SERVICES LIMITED
- Company number
- 05568361 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 September 2005 (21 years old)
- Registered office
- 14 Lumber Lane, Worsley, Manchester, M28 2QH
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Bruce George Kinloch | Director | Sep 1962 | 14 Nov 2005 | 1 other company |
| Bruce George Kinloch | Secretary | Not published | 14 Nov 2005 | 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£1,758
−62% from £4,671
Cash at bank
£10.5k
−56% from £24.0k
Employees (average)
3
Same as 3
Owed within a year
£10.2k
−51% from £20.8k
Total equity
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
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.
Accounts filed at Companies House for company 05568361. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Kinloch Ward Financial Services’s history from the FCA register and Companies House, newest first.
2018
3 April 2018
- Changed its registered name from "Kinloch Ward"
FCA register
2016
20 September 2016
- Bruce George Kinloch took control (75–100% of shares)
Companies House
2012
26 April 2012
- Became an appointed representative
FCA register
2005
20 September 2005
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 3
Firms like Kinloch Ward Financial Services
Other firms of the same type (financial adviser), nearest first.
In Manchester
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 Kinloch Ward 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
- 7 years of accounts, charted
- All 7 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk