O Williams Financial Services Ltd

Reference number: 954993

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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

First Complete Limited Reference number: 435779 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.
  • O Williams Financial Services Ltd (FRN 954993) is an AR of First Complete Limited (FRN 435779). When you use O Williams Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from O Williams 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

    07772 209515

  • Address

    27-29 Swakeleys Road, Ickenham, Uxbridge, UB10 8DF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07772 209515 is
  • Who else gives the postcode UB10 8DF
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Other names (1)

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

  • Williams Financial Services Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
13312592
Company status
Active
Company type
Private limited company
Incorporated
3 April 2021 (5 years old)
Registered office
Solo House The Courtyard, London Road, Horsham, West Sussex, RH12 1AT, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Cooper Director May 1975 3 Apr 2021 1 other company
Steven Nuttall Director Sep 1977 3 Apr 2021 1 other company
David Sargent Director Dec 1977 3 Apr 2021 1 other company
Daniel Reece George Gibson Director Sep 1991 29 Mar 2022 None

Other companies run by these 4 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
2
closed down
1
run together
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

−£19.9k

Down £1,096 from −£18.8k

Cash at bank

£4,538

−9.3% from £5,006

Employees (average)

6

Same as 6

Owed within a year

£25.0k

+3.9% from £24.0k

Net assets are negative: on its last balance sheet the company owed £19.9k more than it owned.

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 13312592. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (7) All events (14)

2022

21 March 2022

  • David Sargent became a part-owner (25–50% of shares)
  • Mark Cooper became a part-owner (25–50% of shares)
  • Owain James Williams stopped being a part-owner
  • Steven Nuttall became a part-owner (25–50% of shares)

Companies House

2021

18 July 2021

  • Became an appointed representative

FCA register

3 April 2021

  • Incorporated at Companies House
  • Owain James Williams became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms like O Williams Financial Services

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

In Uxbridge

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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 O Williams Financial Services

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is O Williams Financial Services Ltd FCA authorised?
O Williams Financial Services Ltd (FRN 954993) 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 O Williams 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. O Williams Financial Services Ltd (FRN 954993) is an AR of First Complete Limited (FRN 435779). When you use O Williams Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from O Williams 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 O Williams Financial Services’ phone number?
The FCA register lists the phone number 07772 209515 for O Williams Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is O Williams Financial Services a scam or clone?
O Williams 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 O Williams Financial Services?
Protection works through First Complete Limited, the principal firm responsible for O Williams Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns O Williams Financial Services?
Companies House lists 3 people with significant control of O Williams Financial Services: Mr Mark Cooper (25–50% of shares), Mr David Sargent (25–50% of shares) and Mr Steven Nuttall (25–50% of shares). Before that, it was controlled by Mr Owain James Williams.
Who runs O Williams Financial Services?
Companies House lists 4 directors of O Williams Financial Services: Mark Cooper, Steven Nuttall, David Sargent and Daniel Reece George Gibson.
How long has O Williams Financial Services been in business?
The company was formed on 3 April 2021.
What do O Williams Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of −£19.9k (down £1,096 from −£18.8k) and cash at bank of £4,538 (−9.3% from £5,006).
Does O Williams Financial Services use any other names?
It trades as Williams Financial Services.

Sources and links

The full report on O Williams Financial Services Ltd

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