One Discovery Financial Services Ltd

Reference number: 998211

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • One Discovery Financial Services Ltd (FRN 998211) is an AR of Quilter Financial Services Limited (FRN 440703). When you use One Discovery Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from One Discovery 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.

In the full report: 3 background checks

  • When onediscoveryfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 133 9601 is
  • Who else gives the postcode DL7 9EY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter 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
13981421
Company status
Active
Company type
Private limited company
Incorporated
16 March 2022 (4 years old)
Registered office
Aubrey House, Newby Wiske, Northallerton, DL7 9EY, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Rowland Director Apr 1983 16 Mar 2022 None
Rachel Rowland Secretary Not published 16 Mar 2022 –

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 March 2025Micro-entity accountsNot audited

Net assets

£20.0k

+184% from £7,050

Employees (average)

2

Same as 2

Owed within a year

£29.6k

−1.4% from £30.0k

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 13981421. 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

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

2023

18 June 2023

  • Became an appointed representative

FCA register

2022

16 March 2022

  • Incorporated at Companies House
  • Nicholas Rowland became a part-owner (25–50% of shares)
  • Rachel Rowland became a part-owner (25–50% of shares)
  • Nicholas Rowland appointed as a director

Companies House

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

Firms like One Discovery Financial Services

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

In Northallerton

G G Proll, M J Hilyer & L C DouglasNorthallertonAppointed representativeProsperity Commercial Insurance Brokers LLPNorthallertonAppointed representative

In the Darlington (DL) postcode area

Martin NicholsRichmondAppointed representativeBen Coverdale Property Services LtdBishop AucklandAppointed representativeCleveland Holidays & Fairs Lloyds Travel Airport ShopDarlingtonAppointed representativeDeepdale Cove LimitedDarlingtonAppointed 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 One Discovery 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
  • 3 background checks on its contact details
  • All 5 events in its history

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Frequently asked questions about this firm

Is One Discovery Financial Services Ltd FCA authorised?
One Discovery Financial Services Ltd (FRN 998211) 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 One Discovery 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. One Discovery Financial Services Ltd (FRN 998211) is an AR of Quilter Financial Services Limited (FRN 440703). When you use One Discovery Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from One Discovery 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 One Discovery Financial Services’ phone number and website?
The FCA register lists the phone number 0330 133 9601 and the website onediscoveryfs.co.uk for One Discovery Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is One Discovery Financial Services a scam or clone?
One Discovery 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 One Discovery Financial Services?
Protection works through Quilter Financial Services Limited, the principal firm responsible for One Discovery Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns One Discovery Financial Services?
Companies House lists 2 people with significant control of One Discovery Financial Services: Mr Nicholas Rowland (25–50% of shares) and Mrs Rachel Rowland (25–50% of shares).
Who runs One Discovery Financial Services?
Companies House lists one director of One Discovery Financial Services: Nicholas Rowland.
How long has One Discovery Financial Services been in business?
The company was formed on 16 March 2022.
What do One Discovery Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £20.0k (+184% from £7,050).

Sources and links

The full report on One Discovery Financial Services Ltd

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