North to South Financial Services Ltd

Reference number: 948738

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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • North to South Financial Services Ltd (FRN 948738) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use North to South Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from North to South 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

    07891 687119

  • Address

    37b Shearing Hill, Gedling, Nottingham, Nottinghamshire, NG4 3GY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07891 687119 is
  • Who else gives the postcode NG4 3GY
Instant PDF download
Other names (3)

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

  • Bluemac Mortgages Trading name
  • Crisp Financial Trading name
  • Bentley Financial Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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
13123742
Company status
Active
Company type
Private limited company
Incorporated
11 January 2021 (5 years old)
Registered office
37b Shearing Hill, Gedling, Nottingham, NG4 3GY, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Lauren Danielle Mitchell Director Jul 1991 11 Jan 2021 1 other company
Zach Mitchell Director Feb 1992 11 Jan 2021 1 other company

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 company
1
still active
1
run together
1

In the full report: all 1 company, 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 31 January 2026Small company accountsNot audited

Net assets

£43.5k

+92% from £22.7k

Cash at bank

£32.0k

−63% from £86.4k

Employees (average)

5

Same as 5

Owed within a year

−£6,204

−117% from £36.0k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 13123742. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (4) All events (10)

2021

9 April 2021

  • Became an appointed representative

FCA register

11 January 2021

  • Incorporated at Companies House
  • Lauren Danielle Mitchell became a part-owner (25–50% of shares)
  • Zach Mitchell became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms like North to South Financial Services

Other firms of the same type (insurance broker), nearest first.

In Nottingham

AG Healthcare Planning LtdNottinghamAppointed representativeAkers Pritchett LtdNottinghamAppointed representativeArun Financial Services LtdNottinghamAppointed representativeBrowne Jacobson LLPNottinghamAppointed representativeCardinal Business Finance LimitedNottinghamAppointed representativeEast Midlands Property Owners LimitedNottinghamAppointed 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 North to South Financial Services

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 10 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is North to South Financial Services Ltd FCA authorised?
North to South Financial Services Ltd (FRN 948738) 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 North to South 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. North to South Financial Services Ltd (FRN 948738) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use North to South Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from North to South 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 North to South Financial Services’ phone number?
The FCA register lists the phone number 07891 687119 for North to South Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is North to South Financial Services a scam or clone?
North to South 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 North to South Financial Services?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for North to South Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns North to South Financial Services?
Companies House lists 2 people with significant control of North to South Financial Services: Mr Zach Mitchell (25–50% of shares) and Miss Lauren Danielle Mitchell (25–50% of shares).
Who runs North to South Financial Services?
Companies House lists 2 directors of North to South Financial Services: Lauren Danielle Mitchell and Zach Mitchell.
How long has North to South Financial Services been in business?
The company was formed on 11 January 2021.
What do North to South Financial Services’ latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £43.5k (+92% from £22.7k) and cash at bank of £32.0k (−63% from £86.4k).
Does North to South Financial Services use any other names?
It trades as Bluemac Mortgages and Crisp Financial. It has previously used the name Bentley Financial Services.

Sources and links

The full report on North to South Financial Services Ltd

£19.99 · Instant PDF download

Loading secure checkout…