Lucwin Limited

Reference number: 794990

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Aspire Commercial Finance Limited Reference number: 690089 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Lucwin Limited (FRN 794990) introduces customers to Aspire Commercial Finance Limited (FRN 690089). Any regulated advice or arranging is done by the principal, not Lucwin.
  • Example: if Lucwin refers you to a financial adviser, the advice should come from the principal firm, not from Lucwin itself.
  • 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

    07974 704559

  • Address

    5 Bingfield Close, Torquay, Devon, TQ1 1QU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07974 704559 is
  • Who else gives the postcode TQ1 1QU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Aspire Commercial Finance 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
10024821
Company status
Active
Company type
Private limited company
Incorporated
24 February 2016 (10 years old)
Registered office
5 Bingfield Close, Torquay, TQ1 1QU, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Leslie Lilley Director Nov 1958 24 Feb 2016 2 other companies
Wendy Ann Lilley Director Sep 1957 20 Feb 2017 None

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
still active
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
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Filed accounts and finances

Year to 30 April 2026Micro-entity accountsNot audited

Net assets

£3,457

−32% from £5,112

Employees (average)

2

Same as 2

Owed within a year

£702

Up £702 from £0

The accounts for the year to 30 April 2026 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £5,791, for the year to 30 April 2025.

Net assets

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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.

Accounts filed at Companies House for company 10024821. 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

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

2017

24 November 2017

  • Became an introducer appointed representative

FCA register

20 February 2017

  • Wendy Ann Lilley appointed as a director

Companies House

2016

6 April 2016

  • Paul Leslie Lilley became a part-owner (25–50% of shares)
  • Wendy Ann Lilley became a part-owner (25–50% of shares)

Companies House

24 February 2016

  • Incorporated at Companies House
  • Paul Leslie Lilley appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Lucwin

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

In Torquay

A R Mortgages LimitedTorquayAppointed representativeLarkspur Financial LimitedTorquayAppointed representativeMortgage Cube LtdTorquayAppointed representativePhilip H Meek LtdTorquayAppointed representativeGlfs (Sw) LimitedTorquayAuthorisedPhilip Meek Commercial LtdTorquayAuthorised

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 Lucwin

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Lucwin Limited FCA authorised?
Lucwin Limited (FRN 794990) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Lucwin?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Lucwin Limited (FRN 794990) introduces customers to Aspire Commercial Finance Limited (FRN 690089). Any regulated advice or arranging is done by the principal, not Lucwin. Example: if Lucwin refers you to a financial adviser, the advice should come from the principal firm, not from Lucwin itself. 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 Lucwin’s phone number?
The FCA register lists the phone number 07974 704559 for Lucwin. If you were given different contact details, use these to check with the firm before going any further.
Is Lucwin a scam or clone?
Lucwin 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 Lucwin?
Protection works through Aspire Commercial Finance Limited, the principal firm responsible for Lucwin's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lucwin?
Companies House lists 2 people with significant control of Lucwin: Mr Paul Leslie Lilley (25–50% of shares) and Mrs Wendy Ann Lilley (25–50% of shares).
Who runs Lucwin?
Companies House lists 2 directors of Lucwin: Paul Leslie Lilley and Wendy Ann Lilley.
How long has Lucwin been in business?
The company was formed on 24 February 2016.
What do Lucwin’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £3,457 (−32% from £5,112).

Sources and links

The full report on Lucwin Limited

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