Providus Financial Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 11 years
Your funds are protected by FSCS
No FCA actions
Active company since 2015
Accounts filed up to 31 May 2025

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.

Website

providusfinancial.co.uk (opens in a new tab)
Phone number

0333 456 0468
Address

20 The Avenue, Highams Park, London, E4 9LD, United Kingdom

In the full report: 3 background checks

When providusfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 0333 456 0468 is
Who else gives the postcode E4 9LD

Other names (3)

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

Forest Mortgages Trading name: A name it trades under now.
Providus Equity Release Former trading name: A name it used to trade under.
Providus Mortgages Former trading name: A name it used to trade under.

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 · Arrange equity release 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 (15 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on a home reversion plan
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) a home reversion plan
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to a home reversion plan
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: 09594033 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 May 2015 (11 years old)
Registered office: 20 The Avenue, London, E4 9LD, England
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Antony David Vincent Smith	Director	Oct 1979	15 May 2015	1 other company
Lindsey Laura Conen-Smith	Director	Aug 1981	21 Jun 2019	None
Lindsey Laura Conen-Smith	Secretary	Not published	15 May 2015	–

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 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 these 2 directors sit on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

£65.1k

+54% from £42.3k

Employees (average)

5

Same as 5

Owed within a year

£112k

+15% from £97.2k

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 09594033. 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

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

Key events (4) All events (16)

2017

15 June 2017

Antony David Vincent Smith took control (75–100% of shares)

Companies House

2015

12 August 2015

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

FCA register

15 May 2015

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (4 shown here)
Every director appointment and resignation: 4

Firms connected to Providus Financial

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

connected firms: 5
share its postcode: 5

In the full report: all 5 connected firms, named

How each is linked: the same postcode (5)
Who links each one: the named directors, with dates

Firms like Providus Financial

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

In London

Ernst & Young LLPLondonAuthorised Gallagher (Administration & Investment) LimitedLondonAuthorised Gallagher Risk & Reward LimitedLondonAuthorised Kroll Securities LtdLondonAuthorised Cambridge Mercantile Risk Management (UK) LtdLondonAuthorised Capita Pension Solutions LimitedLondonAuthorised

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 Providus Financial

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
3 background checks on its contact details
7 years of accounts, charted
All 16 events in its history
5 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Providus Financial Limited FCA authorised?

Yes, Providus Financial Limited (FRN 705852) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2015 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Providus Financial’s phone number and website?

The FCA register lists the phone number 0333 456 0468 and the website providusfinancial.co.uk for Providus Financial. If you were given different contact details, use these to check with the firm before going any further.

Is Providus Financial a scam or clone?

Providus Financial 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 Providus Financial?

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 Providus Financial to the Financial Ombudsman Service, free of charge.

Who owns Providus Financial?

Companies House lists one person with significant control of Providus Financial: Mr Antony David Vincent Smith (75–100% of shares).

Who runs Providus Financial?

Companies House lists 2 directors of Providus Financial: Antony David Vincent Smith and Lindsey Laura Conen-Smith.

How long has Providus Financial been in business?

The company was formed on 15 May 2015, and has held its current FCA authorisation since August 2015.

What do Providus Financial’s latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £65.1k (+54% from £42.3k).

Does Providus Financial use any other names?

It trades as Forest Mortgages. It has previously used 2 other names: Providus Equity Release and Providus Mortgages.