Nicolas Klayh Financial Services Ltd

Reference number: 914574

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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.
  • Nicolas Klayh Financial Services Ltd (FRN 914574) is an AR of TenetLime Limited (FRN 311266). When you use Nicolas Klayh Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Nicolas Klayh 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

    07432 524707

  • Address

    Sandersons Farm, Park Hall Road, Heskin, Chorley, Lancashire, PR7 5LS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07432 524707 is
  • Who else gives the postcode PR7 5LS
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Other names (2)

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

  • N K Mortgage Solutions Trading name
  • Nicolas Klayh Financial Solutions Ltd Former 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
11720298
Company status
Active
Company type
Private limited company
Incorporated
10 December 2018 (7 years old)
Registered office
Sandersons Farm Park Hall Road, Heskin, Chorley, PR7 5LS, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicolas Andrew Klayh Director Dec 1986 10 Dec 2018 None

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 December 2025Micro-entity accountsNot audited

Net assets

£1,364

Up £4,060 from −£2,696

Employees (average)

1

Same as 1

Owed within a year

£8,421

−33% from £12.6k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 11720298. 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

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

2021

30 November 2021

  • Kristen Alexandra Klayh stopped being a part-owner

Companies House

2020

12 March 2020

  • Changed its registered name from "Nicolas Klayh Financial Solutions Ltd"

FCA register

2019

11 December 2019

  • Kristen Alexandra Klayh became a part-owner (25–50% of shares)

Companies House

4 October 2019

  • Became an appointed representative
  • Began trading as "N K Mortgage Solutions"

FCA register

2018

10 December 2018

  • Incorporated at Companies House
  • Nicolas Andrew Klayh took control (75–100% of shares)
  • Nicolas Andrew Klayh appointed as a director

Companies House

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

Firms like Nicolas Klayh Financial Services

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

In Chorley

Adrian John WoodChorleyAppointed representativeBuckshaw Financial Services LimitedChorleyAppointed representativeDuxbury Mortgages LimitedChorleyAppointed representativeLendgro LtdChorleyAppointed representativeMartin CookChorleyAppointed representativeMortgage Experience LimitedChorleyAppointed 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 Nicolas Klayh 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
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Nicolas Klayh Financial Services Ltd FCA authorised?
Nicolas Klayh Financial Services Ltd (FRN 914574) 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 Nicolas Klayh 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. Nicolas Klayh Financial Services Ltd (FRN 914574) is an AR of TenetLime Limited (FRN 311266). When you use Nicolas Klayh Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nicolas Klayh 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 Nicolas Klayh Financial Services’ phone number?
The FCA register lists the phone number 07432 524707 for Nicolas Klayh Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Nicolas Klayh Financial Services a scam or clone?
Nicolas Klayh 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 Nicolas Klayh Financial Services?
Protection works through TenetLime Limited, the principal firm responsible for Nicolas Klayh Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Nicolas Klayh Financial Services?
Companies House lists one person with significant control of Nicolas Klayh Financial Services: Mr Nicolas Andrew Klayh (75–100% of shares). Before that, it was controlled by Mrs Kristen Alexandra Klayh.
Who runs Nicolas Klayh Financial Services?
Companies House lists one director of Nicolas Klayh Financial Services: Nicolas Andrew Klayh.
How long has Nicolas Klayh Financial Services been in business?
The company was formed on 10 December 2018.
What do Nicolas Klayh Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1,364 (up £4,060 from −£2,696).
Does Nicolas Klayh Financial Services use any other names?
It trades as N K Mortgage Solutions. It has previously used the name Nicolas Klayh Financial Solutions Ltd.

Sources and links

The full report on Nicolas Klayh Financial Services Ltd

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