Large Financial Ltd: FCA regulated?

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 24 years
Protected through the principal
No FCA actions
Active company since 2006
Accounts filed up to 28 February 2025

Responsible principal firm

TenetLime Limited Reference number: 311266 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.
Large Financial Ltd (FRN 214815) is an AR of TenetLime Limited (FRN 311266). When you use Large Financial's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Large Financial, 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.

No website on the FCA register
Phone number

01942 237113
Address

5 Holme Avenue, Swinley, Wigan, Lancashire, WN1 2EH, United Kingdom

In the full report: 2 background checks

What kind of line 01942 237113 is
Who else gives the postcode WN1 2EH

Other names (1)

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

David Large Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through TenetLime 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 name: LARGE FINANCIAL LIMITED
Company number: 06004771 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 November 2006 (19 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Life insurance (SIC 65110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David John Large	Director	Apr 1966	21 Nov 2006	None
David John Large	Secretary	Not published	21 Nov 2006	None

In the full report: every company its directors have run

Confirmation that its director runs no other company
Both people who have been directors, with their dates

Filed accounts and finances

Year to 28 February 2025Small company accountsNot audited

Net assets

£664

Up £543 from £121

Cash at bank

£3,877

+260% from £1,077

Employees (average)

1

Same as 1

Owed within a year

£8,317

−24% from £10.9k

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 06004771. 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

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

Key events (4) All events (7)

2016

6 April 2016

David John Large took control (75–100% of shares)

Companies House

2007

12 February 2007

Changed its registered name from "David Large"

FCA register

2006

21 November 2006

Incorporated at Companies House

Companies House

2002

11 July 2002

Became an appointed representative

FCA register

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms connected to Large Financial

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Large Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In Wigan

Charnock Mortgages LtdWiganAppointed representative Craig Potter Commercial Finance LimitedWiganAppointed representative Deborah Jane BoothWiganAppointed representative L R Finance (North West) LimitedWiganAppointed representative Makerfield Mortgages (NW) LtdWiganAppointed representative Mr Stuart John HankinWiganAppointed 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 Large Financial

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

Every company its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Large Financial Ltd FCA authorised?

Large Financial Ltd (FRN 214815) 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 Large Financial?

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. Large Financial Ltd (FRN 214815) is an AR of TenetLime Limited (FRN 311266). When you use Large Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Large Financial, 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 Large Financial’s phone number?

The FCA register lists the phone number 01942 237113 for Large Financial. If you were given different contact details, use these to check with the firm before going any further.

Is Large Financial a scam or clone?

Large Financial 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 Large Financial?

Protection works through TenetLime Limited, the principal firm responsible for Large Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Large Financial?

Companies House lists one person with significant control of Large Financial: David John Large (75–100% of shares).

Who runs Large Financial?

Companies House lists one director of Large Financial: David John Large.

How long has Large Financial been in business?

The company was formed on 21 November 2006.

What do Large Financial’s latest accounts show?

Its latest accounts, to 28 February 2025, show net assets of £664 (up £543 from £121) and cash at bank of £3,877 (+260% from £1,077).

Does Large Financial use any other names?

It has previously used the name David Large.