Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 May 2025
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Paul Flower Services Ltd (FRN 778529) introduces customers to Quilter Financial Services Limited (FRN 440703). Any regulated advice or arranging is done by the principal, not Paul Flower Services.
- Example: if Paul Flower Services refers you to a financial adviser, the advice should come from the principal firm, not from Paul Flower Services itself.
- 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.
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No website on the FCA register
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Phone number
-
Address
Sandy Cottage, The Street, Regil, Winford, Bristol, BS40 8BB, United Kingdom
In the full report: 2 background checks
- What kind of line 0117 933 5544 is, and the other firm that gives it
- Who else gives the postcode BS40 8BB
Other names (1)
If you were contacted under any of these names, it is this firm.
- Paul Flower Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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 name
- PAUL FLOWER SERVICES LIMITED
- Company number
- 10790191 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 May 2017 (9 years old)
- Registered office
- Sandy Cottage, The Street, Regil, BS40 8BB, United Kingdom
- Nature of business
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- Management consultancy activities other than financial management (SIC 70229)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stephanie Caroline Coleman | Director | Jan 1962 | 25 May 2017 | None |
| Paul Duncan Flower | Director | May 1957 | 25 May 2017 | None |
| Paul Duncan Flower | Secretary | Not published | 25 May 2017 | – |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£14.7k
−18% from £17.9k
Cash at bank
£15.8k
−15% from £18.5k
Employees (average)
2
Same as 2
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
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 10790191. 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
Paul Flower Services’s history from the FCA register and Companies House, newest first.
2021
15 April 2021
- Changed its registered name from "Paul Flower"
FCA register
2017
26 May 2017
- Stephanie Caroline Coleman became a part-owner (25–50% of shares)
Companies House
25 May 2017
- Incorporated at Companies House
- Paul Duncan Flower became the majority owner (50–75% of shares)
- Paul Duncan Flower appointed as a director
- Stephanie Caroline Coleman appointed as a director
Companies House
8 May 2017
- Became an introducer appointed representative
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Paul Flower Services
Other FCA-listed firms that share a director, phone number or address with Paul Flower Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: the same phone number (1)
- Who links it to this firm: the named directors, with dates
Firms like Paul Flower Services
Other firms of the same type (financial adviser), nearest first.
In Bristol
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 Paul Flower 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 7 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk