Philip Heald Ltd

Reference number: 918928

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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

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.
  • Philip Heald Ltd (FRN 918928) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Philip Heald's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Philip Heald, 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

    07841 449225

  • Address

    Pennant, Maesmawr Road, Llangollen, Denbighshire, LL20 7PG, United Kingdom

In the full report: 2 background checks

  • What kind of line 07841 449225 is
  • Who else gives the postcode LL20 7PG
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Other names (1)

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

  • Heald & Associates 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
10513582
Company status
Active
Company type
Private limited company
Incorporated
6 December 2016 (9 years old)
Registered office
Pennant, Maes Mawr Road, Llangollen, LL20 7PG, Wales
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Glyn Heald Director Apr 1978 6 Dec 2016 1 other company

Other companies run by its director

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
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£165k

+7.2% from £153k

Employees (average)

1

Same as 1

Owed within a year

£14.5k

+36% from £10.7k

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 10513582. 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

Philip Heald’s history from the FCA register and Companies House, newest first.

2020

3 January 2020

  • Became an appointed representative
  • Began trading as "Heald & Associates"

FCA register

2016

6 December 2016

  • Incorporated at Companies House
  • Philip Glyn Heald took control (75–100% of shares)
  • Philip Glyn Heald appointed as a director

Companies House

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

Firms like Philip Heald

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

In the Llandudno (LL) postcode area

David Robert SchrimshawDenbighAppointed representativeEastgate Commercial Finance LtdWrexhamAppointed representativeIce Finance LtdWrexhamAppointed representativeIdris Mortgages LimitedLlandudno JunctionAppointed representativeKlaire WilliamsPwllheliAppointed representativeMenai Financial Solutions LimitedColwyn BayAppointed 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 Philip Heald

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
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Philip Heald Ltd FCA authorised?
Philip Heald Ltd (FRN 918928) 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 Philip Heald?
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. Philip Heald Ltd (FRN 918928) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Philip Heald's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Philip Heald, 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 Philip Heald’s phone number?
The FCA register lists the phone number 07841 449225 for Philip Heald. If you were given different contact details, use these to check with the firm before going any further.
Is Philip Heald a scam or clone?
Philip Heald 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 Philip Heald?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Philip Heald's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Philip Heald?
Companies House lists one person with significant control of Philip Heald: Mr Philip Glyn Heald (75–100% of shares).
Who runs Philip Heald?
Companies House lists one director of Philip Heald: Philip Glyn Heald.
How long has Philip Heald been in business?
The company was formed on 6 December 2016.
What do Philip Heald’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £165k (+7.2% from £153k).
Does Philip Heald use any other names?
It trades as Heald & Associates.

Sources and links

The full report on Philip Heald Ltd

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