Pia Financial Services Ltd

Reference number: 514819

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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

Commercial Finance Brokers UK Limited Reference number: 736199 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.
  • Pia Financial Services Ltd (FRN 514819) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Pia Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pia 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

    0345 226 2831

  • Address

    98A Front Street, Chester Le Street, DH3 3BA, United Kingdom

In the full report: 2 background checks

  • What kind of line 0345 226 2831 is
  • Who else gives the postcode DH3 3BA
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Other names (59)

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

  • Accrin Mortgages Trading name
  • ARA Mortgages and Financial Services Trading name
  • Better Way Finance Trading name
  • Brions Financial Services Trading name
  • D T Financial Trading name
  • Ensign Financial Solutions Trading name
  • Erduran Capital Solutions Trading name
  • Everest Financial Advisors Trading name
  • Fisher Financial Associates Trading name
  • Fortunate Future Finance Trading name
  • Harpur Mortgages Trading name
  • Innovative Mortgages Trading name
  • JS Financial Trading name
  • Kate Fisher Mortgages & Protection Trading name
  • Kingsknowe Financial Trading name
  • Kotak Mortgage and Protection Trading name
  • KYC Mortgages and Protection Trading name
  • Pia Financial Solutions Trading name
  • PRB Mortgages Trading name
  • Samuel James Mortgages Trading name
  • Steven Solves Mortgages Trading name
  • Swan Financial Planning Trading name
  • Swanston Financial Trading name
  • Templar Mortgages Trading name
  • The Elite Mortgage and Protection Service Trading name
  • The Loans Group Trading name
  • Vyas Wealth Management Trading name
  • Sanjoy Sen Former name
  • AFS Money Former trading name
  • Alfa Ena Financial Solutions Former trading name
  • Alfa Protect Former trading name
  • ALT Financial Solutions Former trading name
  • AM Financial Planning Services Former trading name
  • Argo Financial Services Former trading name
  • Bailgate Mortgages Former trading name
  • Block Financial Services Former trading name
  • Brion Financial Services Former trading name
  • CM Financial Former trading name
  • Dave Mortgages Former trading name
  • Elm Park Mortgages Former trading name
  • Ensign Financial Planning Former trading name
  • Entire Mortgages Former trading name
  • Explore Mortgages Former trading name
  • Finance Expert Former trading name
  • Hearthstone Mortgages Former trading name
  • Hexagon Life Planning Services Former trading name
  • Jayco Financial Solutions Former trading name
  • Life Mortgage Solutions Former trading name
  • Monzur Mortgages and Protection Former trading name
  • Mortgage Matt Former trading name
  • Premier Management Services Former trading name
  • Rai Financial Former trading name
  • R A Mortgages Former trading name
  • Sen Associates Former trading name
  • Shelbrook Wells Mortgages Former trading name
  • Tŷ Mortgages Former trading name
  • Victoria Mortgages Former trading name
  • We Protect Online Former trading name
  • Worcester Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Commercial Finance Brokers UK 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
06422721
Company status
Active
Company type
Private limited company
Incorporated
9 November 2007 (18 years old)
Registered office
98a Front Street, Chester Le Street, DH3 3BA, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Ronald Bennett Hayes Director Sep 1960 18 Jan 2008 6 other companies
Deborah Frances Reynolds Secretary Not published 18 Jan 2008 –

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 companies
6
closed down
3
is FCA-registered
1

In the full report: all 6 companies, 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
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Abridged accountsNot audited

Profit before tax

£246k

Not compared: the previous accounts cover a different length of time

Net assets

£816k

+14% from £713k

Cash at bank

£340k

+57% from £217k

Employees (average)

12

+20% from 10

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 06422721. 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

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

Key events (5) All events (99)

2016

1 November 2016

  • Nicholas Ronald Bennett Hayes gained significant control

Companies House

2011

31 August 2011

  • Changed its registered name from "PIA Financial Services Ltd"

FCA register

2 August 2011

  • Changed its registered name from "Sanjoy Sen"

FCA register

2009

18 December 2009

  • Became an appointed representative

FCA register

2007

9 November 2007

  • Incorporated at Companies House

Companies House

In the full report: all 99 events

  • All 99 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Pia Financial Services

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Pia Financial Services

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

In Chester Le Street

Mel Lydon Mortgage Solutions LtdChester Le StreetAppointed representativeM&D Claims Consultants LtdChester Le StreetAuthorisedT.s.reed & Co. (Insurance)limitedChester le StreetAuthorised

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 Pia Financial Services

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

  • 6 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 99 events in its history

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Frequently asked questions about this firm

Is Pia Financial Services Ltd FCA authorised?
Pia Financial Services Ltd (FRN 514819) 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 Pia 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. Pia Financial Services Ltd (FRN 514819) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Pia Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pia 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 Pia Financial Services’ phone number?
The FCA register lists the phone number 0345 226 2831 for Pia Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Pia Financial Services a scam or clone?
Pia 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 Pia Financial Services?
Protection works through Commercial Finance Brokers UK Limited, the principal firm responsible for Pia Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pia Financial Services?
Companies House lists one person with significant control of Pia Financial Services: Mr Nicholas Ronald Bennett Hayes (significant influence or control).
Who runs Pia Financial Services?
Companies House lists one director of Pia Financial Services: Nicholas Ronald Bennett Hayes.
How long has Pia Financial Services been in business?
The company was formed on 9 November 2007.
What do Pia Financial Services’ latest accounts show?
Its latest accounts, to 30 November 2025, show profit before tax of £246k (not compared: the previous accounts cover a different length of time) and net assets of £816k (+14% from £713k).
Does Pia Financial Services use any other names?
It trades as Accrin Mortgages, ARA Mortgages and Financial Services, Better Way Finance, Brions Financial Services and D T Financial, and 22 more names. It has previously used 32 other names, including Sanjoy Sen, AFS Money and Alfa Ena Financial Solutions.

Sources and links

The full report on Pia Financial Services Ltd

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