McNicholl Financial Services Limited

Reference number: 580766

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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.

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.
  • McNicholl Financial Services Limited (FRN 580766) is an AR of TenetLime Limited (FRN 311266). When you use McNicholl Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from McNicholl 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.

  • No website on the FCA register

  • Phone number

    028 8776 1137

  • Address

    The Loft, 11 Drumard Cross Road, Dungannon, BT71 6HS, United Kingdom

In the full report: 2 background checks

  • What kind of line 028 8776 1137 is
  • Who else gives the postcode BT71 6HS
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Other names (2)

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

  • James McNicholl Former name
  • McNicholl Mortgage Services Former trading name

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 number
NI628694
Company status
Active
Company type
Private limited company
Incorporated
15 January 2015 (11 years old)
Registered office
11 Drumard Cross Road, Dungannon, Tyrone, BT71 6HS, Northern Ireland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
James Alexander Mcnicholl Director Jan 1987 15 Jan 2015 None
Sharlene Mcnicholl Secretary Not published 15 Jan 2015 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 January 2026Abridged accountsNot audited

Net assets

£13.2k

+301% from £3,285

Cash at bank

£41.7k

−4% from £43.5k

Employees (average)

5

Same as 5

Owed within a year

£68.1k

−23% from £88.6k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company NI628694. 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

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

Key events (5) All events (8)

2016

6 April 2016

  • James Alexander McNicholl became a part-owner (25–50% of shares)
  • Sharlene McNicholl became a part-owner (25–50% of shares)

Companies House

2015

11 February 2015

  • Changed its registered name from "James McNicholl"

FCA register

15 January 2015

  • Incorporated at Companies House

Companies House

2012

8 May 2012

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like McNicholl Financial Services

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

In Dungannon

CD Mortgage Solutions LtdDungannonAppointed representativeMooney Financial Services LtdDungannonAppointed representativeRTM Mortgage Services LtdDungannonAppointed representativeShields Mortgage Services LtdDungannonAppointed representativeEugene Gerard MuldoonDungannonAuthorisedInvestnshare Mortgage SolutionsDungannonAuthorised

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 McNicholl Financial Services

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 8 events in its history

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Frequently asked questions about this firm

Is McNicholl Financial Services Limited FCA authorised?
McNicholl Financial Services Limited (FRN 580766) 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 McNicholl Financial Services?
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. McNicholl Financial Services Limited (FRN 580766) is an AR of TenetLime Limited (FRN 311266). When you use McNicholl Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from McNicholl 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.
What is McNicholl Financial Services’ phone number?
The FCA register lists the phone number 028 8776 1137 for McNicholl Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is McNicholl Financial Services a scam or clone?
McNicholl Financial Services 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 McNicholl Financial Services?
Protection works through TenetLime Limited, the principal firm responsible for McNicholl Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns McNicholl Financial Services?
Companies House lists 2 people with significant control of McNicholl Financial Services: Mr James Alexander McNicholl (25–50% of shares) and Mrs Sharlene McNicholl (25–50% of shares).
Who runs McNicholl Financial Services?
Companies House lists one director of McNicholl Financial Services: James Alexander McNicholl.
How long has McNicholl Financial Services been in business?
The company was formed on 15 January 2015.
What do McNicholl Financial Services’ latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £13.2k (+301% from £3,285) and cash at bank of £41.7k (−4% from £43.5k).
Does McNicholl Financial Services use any other names?
It has previously used 2 other names: James McNicholl and McNicholl Mortgage Services.

Sources and links

The full report on McNicholl Financial Services Limited

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