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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2012
- Accounts filed up to 31 March 2025
Responsible principal firm
Openwork Limited Reference number: 408285 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.
- Lifestyle Financial Services LLP (FRN 408778) is an AR of Openwork Limited (FRN 408285). When you use Lifestyle Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Lifestyle 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
3 Old Smithy, Church Road, Rainford, St. Helens, WA11 8HD, United Kingdom
In the full report: 2 background checks
- What kind of line 01744 555200 is
- Who else gives the postcode WA11 8HD
Other names (1)
If you were contacted under any of these names, it is this firm.
- Lifestyle Mortgages NW Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork 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 number
- OC379295 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Limited liability partnership
- Incorporated
- 12 October 2012 (14 years old)
- Registered office
- Pegasus House 5 Winckley Court, Mount Street, Preston, Lancashire, PR1 8BU
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Craig Ball | LLP designated member | Apr 1990 | 12 Oct 2012 | None |
| Steven John Ball | LLP designated member | Jun 1962 | 12 Oct 2012 | 4 other companies |
| Debra Janet Ball | LLP member | Sep 1963 | 12 Oct 2012 | 1 other company |
Other companies run by these 3 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
- 4
- closed down
- 3
- run together
- 1
In the full report: all 4 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 3 directors run together
Filed accounts and finances
Employees (average)
1
Same as 1
Owed within a year
£138k
+233% from £41.5k
The accounts for the 15 months to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £240k, for the year to 31 December 2022.
In the full report: all 6 years of accounts
- Every year from 2019 to 2025
- 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 OC379295. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Lifestyle Financial Services’s history from the FCA register and Companies House, newest first.
2016
1 July 2016
- Steven John Ball gained significant control
Companies House
2012
16 November 2012
- Changed its registered name from "Lifestyle Mortgages NW Limited"
FCA register
12 October 2012
- Incorporated at Companies House
Companies House
2004
31 October 2004
- 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 Lifestyle Financial Services
Other FCA-listed firms that share a director, phone number or address with Lifestyle Financial Services. 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
Firms like Lifestyle Financial Services
Other firms of the same type (financial adviser), nearest first.
In St. Helens
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 Lifestyle Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 7 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Lifestyle Financial Services’ latest accounts show?
Does Lifestyle Financial Services use any other names?
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