Mendy & Watt Financial Advisers Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 5 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 31 August 2025

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.

Website

mendyandwattfa.co.uk (opens in a new tab)
Phone number

01477 518375
Address

3 Middlewich Road, Holmes Chapel, Cheshire, CW4 7EA, United Kingdom

In the full report: 3 background checks

When mendyandwattfa.co.uk first appeared online, and whether it can receive email
What kind of line 01477 518375 is
Who else gives the postcode CW4 7EA

Other names (3)

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

M&W Trading name: A name it trades under now.
Sovereign Elite Services Trading name: A name it trades under now.
Sovereign Elite Financial Services Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising on Pension Transfers and Pension Opt Outs
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 11518752 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 August 2018 (8 years old)
Registered office: 31 Wellington Road, Nantwich, Cheshire, CW5 7ED, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Matthew Andrew Heyes	Director	Dec 1987	15 Aug 2018	1 other company
Wendy Heyes	Director	Feb 1967	15 Aug 2018	3 other companies

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: 3
closed down: 1
run together: 1

In the full report: all 3 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
The 1 company these 2 directors run together

Filed accounts and finances

Year to 31 August 2025Full accountsNot audited

Net assets

£57.8k

+260% from £16.1k

Cash at bank

£58.3k

+362% from £12.6k

Owed within a year

£52.1k

+287% from £13.5k

Net assets

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.

Accounts filed at Companies House for company 11518752. 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

Mendy & Watt Financial Advisers’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2026

23 March 2026

Richard Scott Kendall became a part-owner (25–50% of shares)

Companies House

2021

3 February 2021

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2018

15 August 2018

Incorporated at Companies House
Matthew Andrew Heyes became a part-owner (25–50% of shares)
Wendy Heyes became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

All 12 events in its history (6 shown here)
Every director appointment and resignation: 2

Firms connected to Mendy & Watt Financial Advisers

Other FCA-listed firms that share a director, phone number or address with Mendy & Watt Financial Advisers. 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 Mendy & Watt Financial Advisers

Other firms of the same type (financial adviser), nearest first.

In Cheshire

Equilibrium Financial Planning LLPCheshireAuthorised Leading Edge Wealth Planning LtdCheshireAuthorised Michael EatonCheshireAuthorised Sebright Financial Services LimitedCheshireAuthorised MAE Property Finance LtdCheshireAppointed representative Phelps & Co LtdCheshireAppointed 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 Mendy & Watt Financial Advisers

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

3 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 12 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Mendy & Watt Financial Advisers Limited FCA authorised?

Yes, Mendy & Watt Financial Advisers Limited (FRN 936168) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2021 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Mendy & Watt Financial Advisers’ phone number and website?

The FCA register lists the phone number 01477 518375 and the website mendyandwattfa.co.uk for Mendy & Watt Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.

Is Mendy & Watt Financial Advisers a scam or clone?

Mendy & Watt Financial Advisers 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 Mendy & Watt Financial Advisers?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Mendy & Watt Financial Advisers to the Financial Ombudsman Service, free of charge.

Who owns Mendy & Watt Financial Advisers?

Companies House lists 3 people with significant control of Mendy & Watt Financial Advisers: Mr Richard Scott Kendall (25–50% of shares), Mrs Wendy Heyes (25–50% of shares) and Mr Matthew Andrew Heyes (25–50% of shares).

Who runs Mendy & Watt Financial Advisers?

Companies House lists 2 directors of Mendy & Watt Financial Advisers: Matthew Andrew Heyes and Wendy Heyes.

How long has Mendy & Watt Financial Advisers been in business?

The company was formed on 15 August 2018, and has held its current FCA authorisation since February 2021.

What do Mendy & Watt Financial Advisers’ latest accounts show?

Its latest accounts, to 31 August 2025, show net assets of £57.8k (+260% from £16.1k) and cash at bank of £58.3k (+362% from £12.6k).

Does Mendy & Watt Financial Advisers use any other names?

It trades as M&W and Sovereign Elite Services. It has previously used the name Sovereign Elite Financial Services.