Polar FS Ltd

Reference number: 950748

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 coleshillmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01675 467196 is
  • Who else gives the postcode B46 3BJ
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Other names (4)

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

  • Coleshill Mortgages Trading name
  • Coleshill Wealth Management Trading name
  • Kenilworth Mortgages Trading name
  • Coleshill Mortgage Services Limited Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
05711103
Company status
Active
Company type
Private limited company
Incorporated
15 February 2006 (20 years old)
Registered office
Cold Harbour, Great Saredon, Staffordshire, WV10 7LN, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Phillip Anthony Salinas Director Jun 1970 15 Feb 2006 1 other company
Daniel Sperber Director Apr 1979 8 Feb 2021 1 other company
Helen Lisa Salinas Secretary Not published 25 Aug 2006 –

Other companies run by these 2 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
still active
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£20.0k

−1.5% from £20.3k

Cash at bank

£46.5k

No earlier figure to compare

Employees (average)

5

Same as 5

Owed within a year

£37.7k

+3.7% from £36.3k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 05711103. 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

Polar FS’s history from the FCA register and Companies House, newest first.

Key events (6) All events (15)

2026

4 August 2026

  • Changed its registered name from "Coleshill Mortgage Services Limited"

FCA register

2021

4 August 2021

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

12 July 2021

  • Helen Lisa Salinas became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Phillip Anthony Salinas gained significant control

Companies House

2006

15 February 2006

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms like Polar FS

Other firms of the same type (financial adviser), nearest first.

In Birmingham

Standard Life Financial Advice Services LimitedBirminghamAuthorisedWesleyan Financial Services LimitedBirminghamAuthorisedAdler Financial Planning LimitedBirminghamAuthorisedAllsopp Financial Management LimitedBirminghamAuthorisedAnthony Darren ThursfieldBirminghamAuthorisedAscot Lloyd Financial Planning LimitedBirminghamAuthorised

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 Polar FS

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 15 events in its history

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Frequently asked questions about this firm

Is Polar FS Ltd FCA authorised?
Yes, Polar FS Ltd (FRN 950748) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2021 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Polar FS’ phone number and website?
The FCA register lists the phone number 01675 467196 and the website coleshillmortgages.co.uk for Polar FS. If you were given different contact details, use these to check with the firm before going any further.
Is Polar FS a scam or clone?
Polar FS 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 Polar FS?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Polar FS to the Financial Ombudsman Service, free of charge.
Who owns Polar FS?
Companies House lists 2 people with significant control of Polar FS: Mrs Helen Lisa Salinas (25–50% of shares) and Mr Phillip Anthony Salinas (significant influence or control).
Who runs Polar FS?
Companies House lists 2 directors of Polar FS: Phillip Anthony Salinas and Daniel Sperber.
How long has Polar FS been in business?
The company was formed on 15 February 2006, and has held its current FCA authorisation since August 2021.
What do Polar FS’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £20.0k (−1.5% from £20.3k) and cash at bank of £46.5k (no earlier figure to compare).
Does Polar FS use any other names?
It trades as Coleshill Mortgages, Coleshill Wealth Management and Kenilworth Mortgages. It has previously used the name Coleshill Mortgage Services Limited.

Sources and links

The full report on Polar FS Ltd

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