Opal Financials Ltd

Reference number: 540974

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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.
  • Opal Financials Ltd (FRN 540974) is an AR of First Complete Limited (FRN 435779). When you use Opal Financials's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Opal Financials, 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, 1 thing worth a closer look

  • When opalfinancials.co.uk first appeared online, and whether it can receive email
  • What kind of line 07748 984652 is
  • Who else gives the postcode CW11 3AE
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Other names (2)

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

  • Opal Financials Limited Former name
  • K&R Financial Solutions Former 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
07443342
Company status
Active
Company type
Private limited company
Incorporated
18 November 2010 (15 years old)
Registered office
Unit 26 Edwin Foden Business Centre, Moss Lane, Sandbach, CW11 3AE, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven James Hodgkiss Director Jan 1982 18 Nov 2010 1 other company
Carl Malcolm Dutton Director Jan 1977 2 Apr 2013 None
Emma Louise Hodgson Director Jun 1992 1 Oct 2018 1 other company

Other companies run by these 3 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
is FCA-registered
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
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Filed accounts and finances

Year to 30 November 2025Abridged accountsNot audited

Net assets

£198k

+6.7% from £185k

Cash at bank

£55.7k

−53% from £119k

Employees (average)

15

−12% from 17

Owed within a year

£101k

−25% from £136k

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 07443342. 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

Opal Financials’s history from the FCA register and Companies House, newest first.

Key events (6) All events (11)

2024

11 September 2024

  • Changed its registered name from "Opal Financials Limited"

FCA register

2020

2 December 2020

  • Emma Louise Hodgson became a part-owner (25–50% of shares)

Companies House

1 December 2020

  • Carl Malcom Dutton became a part-owner (25–50% of shares)

Companies House

2016

18 November 2016

  • Steven James Hodgkiss became a part-owner (25–50% of shares)

Companies House

2011

4 February 2011

  • Became an appointed representative

FCA register

2010

18 November 2010

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Opal Financials

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

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Opal Financials

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

In Sandbach

Amplo Asset Finance LimitedSandbachAppointed representativeBedson Financial Solutions LimitedSandbachAppointed representativeFidenti Mortgages & Protection LimitedSandbachAppointed representativeUR-Mortgage LimitedSandbachAppointed 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 Opal Financials

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
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 11 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Opal Financials Ltd FCA authorised?
Opal Financials Ltd (FRN 540974) 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 Opal Financials?
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. Opal Financials Ltd (FRN 540974) is an AR of First Complete Limited (FRN 435779). When you use Opal Financials's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Opal Financials, 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 Opal Financials’ phone number and website?
The FCA register lists the phone number 07748 984652 and the website opalfinancials.co.uk for Opal Financials. If you were given different contact details, use these to check with the firm before going any further.
Is Opal Financials a scam or clone?
Opal Financials 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 Opal Financials?
Protection works through First Complete Limited, the principal firm responsible for Opal Financials's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Opal Financials?
Companies House lists 3 people with significant control of Opal Financials: Ms Emma Louise Hodgson (25–50% of shares), Mr Carl Malcom Dutton (25–50% of shares) and Mr Steven James Hodgkiss (25–50% of shares).
Who runs Opal Financials?
Companies House lists 3 directors of Opal Financials: Steven James Hodgkiss, Carl Malcolm Dutton and Emma Louise Hodgson.
How long has Opal Financials been in business?
The company was formed on 18 November 2010.
What do Opal Financials’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £198k (+6.7% from £185k) and cash at bank of £55.7k (−53% from £119k).
Does Opal Financials use any other names?
It has previously used 2 other names: Opal Financials Limited and K&R Financial Solutions.

Sources and links

The full report on Opal Financials Ltd

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