Mercury Financial Management Limited

Reference number: 978894

Instant download

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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Mercury Financial Management Limited (FRN 978894) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Mercury Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mercury Financial Management, 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.

In the full report: 3 background checks

  • When mercuryfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 355 8073 is
  • Who else gives the postcode SK6 4DE
Instant PDF download
Other names (1)

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

  • MR3 Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
14172229
Company status
Active
Company type
Private limited company
Incorporated
14 June 2022 (4 years old)
Registered office
80-82 Compstall Road, Romiley, Stockport, SK6 4DE, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Martin Sydney Pugh Director Oct 1971 14 Jun 2022 2 other companies
Royston Charles Gardner Director May 1966 27 Sep 2022 2 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
3
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
Instant PDF download

Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£196k

+23% from £159k

Cash at bank

£28.6k

−50% from £57.0k

Employees (average)

7

−13% from 8

Owed within a year

£276k

−6.7% from £295k

Assets and liabilities

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 14172229. 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

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

2022

11 November 2022

  • Changed its registered name from "MR3 Limited"

FCA register

27 September 2022

  • Royston Charles Gardner became a part-owner (25–50% of shares)
  • Royston Charles Gardner appointed as a director

Companies House

12 July 2022

  • Became an appointed representative

FCA register

14 June 2022

  • Incorporated at Companies House
  • Martin Sydney Pugh became a part-owner (25–50% of shares)
  • Martin Sydney Pugh appointed as a director

Companies House

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

Firms connected to Mercury Financial Management

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Mercury Financial Management

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

In Stockport

A. C. M. Financial Services LtdStockportAppointed representativeAndrew Brannan Wealth Management LtdStockportAppointed representativeBeech Tree Financial Advice LimitedStockportAppointed representativeDickinson Financial Planning LtdStockportAppointed representativeEdward Mellor LimitedStockportAppointed representativeFrancis Brendan McDermottStockportAppointed 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 Mercury Financial Management

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
  • All 7 events in its history
  • 4 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Mercury Financial Management Limited FCA authorised?
Mercury Financial Management Limited (FRN 978894) 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 Mercury Financial Management?
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. Mercury Financial Management Limited (FRN 978894) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Mercury Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mercury Financial Management, 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 Mercury Financial Management’s phone number and website?
The FCA register lists the phone number 0161 355 8073 and the website mercuryfinancial.co.uk for Mercury Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Mercury Financial Management a scam or clone?
Mercury Financial Management 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 Mercury Financial Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Mercury Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mercury Financial Management?
Companies House lists 2 people with significant control of Mercury Financial Management: Mr Royston Charles Gardner (25–50% of shares) and Mr Martin Sydney Pugh (25–50% of shares).
Who runs Mercury Financial Management?
Companies House lists 2 directors of Mercury Financial Management: Martin Sydney Pugh and Royston Charles Gardner.
How long has Mercury Financial Management been in business?
The company was formed on 14 June 2022.
What do Mercury Financial Management’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £196k (+23% from £159k) and cash at bank of £28.6k (−50% from £57.0k).
Does Mercury Financial Management use any other names?
It has previously used the name MR3 Limited.

Sources and links

The full report on Mercury Financial Management Limited

£19.99 · Instant PDF download

Loading secure checkout…