PWS Financial Consulting Limited

Reference number: 124984

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Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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

    pwsfc.co.uk

  • Phone number

    0151 227 4792

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    P W S Financial Consulting Ltd, Exchange Station, Tithebarn Street, Liverpool, L2 2QP, United Kingdom

In the full report: 3 background checks

  • When pwsfc.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 227 4792 is, and the other firm that gives it
  • Who else gives the postcode L2 2QP
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Other names (4)

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

  • Female Finance Trading name
  • Legal and Financial Solutions Limited Former name
  • PWS Life & Pensions Limited Former name
  • PWS Life & Pensions Ltd 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 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
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • 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
00518502
Company status
Active
Company type
Private limited company
Incorporated
10 April 1953 (73 years old)
Registered office
Butterworth Barlow House, 10 Derby Street, Prescot, L34 3LG, England
Nature of business
  • Life insurance (SIC 65110)
  • Life reinsurance (SIC 65201)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew James Robertson Director Sep 1967 1 Oct 1997 5 other companies
Jonathan Adrian Barlow Director Mar 1967 17 Jul 2003 5 other companies
Peter Edward Chapman Director Dec 1955 10 Nov 2008 14 other companies
Mohit Kumar Saini Director Aug 1973 12 Nov 2008 8 other companies
Andrew James Robertson Secretary Not published 23 Jan 2008 –

Other companies run by these 4 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
22
closed down
13
are FCA-registered
4

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register, including 2 no longer authorised
  • The 5 companies these 4 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£250k

+70% from £147k

Cash at bank

£207k

−24% from £273k

Employees (average)

14

Same as 14

Owed within a year

£305k

−11% from £343k

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 00518502. 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

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

Key events (9) All events (31)

2017

1 March 2017

  • Pws Wealth Management Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2003

29 August 2003

  • Changed its registered name from "PWS Life & Pensions Ltd"

FCA register

21 July 2003

  • Changed its registered name from "Legal and Financial Solutions Limited"

FCA register

16 July 2003

  • Changed its registered name from "PWS Life & Pensions Limited"

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Applied to cancel its FCA authorisation

FCA register

1994

5 December 1994

  • Regulated by the Personal Investment Authority from this date

FCA register

1953

10 April 1953

  • Incorporated at Companies House

Companies House

In the full report: all 31 events

  • All 31 events in its history (9 shown here)
  • Every director appointment and resignation: 17
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Firms connected to PWS Financial Consulting

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

connected firms
3
no longer authorised
2
share a director
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like PWS Financial Consulting

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

In Liverpool

Affinity Financial Awareness LimitedLiverpoolAuthorisedAlpha Financial Management LimitedLiverpoolAuthorisedBeatties Financial ServicesLiverpoolAuthorisedBeyond Advice Group LtdLiverpoolAuthorisedBishopgate LimitedLiverpoolAuthorisedCAM Wealth Group LimitedLiverpoolAuthorised

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 PWS Financial Consulting

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 31 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is PWS Financial Consulting Limited FCA authorised?
PWS Financial Consulting Limited (FRN 124984) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
What is PWS Financial Consulting’s phone number and website?
The FCA register lists the phone number 0151 227 4792 and the website pwsfc.co.uk for PWS Financial Consulting. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm, one of which is no longer authorised.
Is PWS Financial Consulting a scam or clone?
PWS Financial Consulting 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 PWS Financial Consulting?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about PWS Financial Consulting to the Financial Ombudsman Service, free of charge.
Who owns PWS Financial Consulting?
PWS Financial Consulting is owned by Pws Wealth Management Limited, which holds 75–100% of shares, since 1 March 2017.
Who runs PWS Financial Consulting?
Companies House lists 4 directors of PWS Financial Consulting: Andrew James Robertson, Jonathan Adrian Barlow, Peter Edward Chapman and Mohit Kumar Saini.
How long has PWS Financial Consulting been in business?
The company was formed on 10 April 1953.
What do PWS Financial Consulting’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £250k (+70% from £147k) and cash at bank of £207k (−24% from £273k).
Does PWS Financial Consulting use any other names?
It trades as Female Finance. It has previously used 3 other names: Legal and Financial Solutions Limited, PWS Life & Pensions Limited and PWS Life & Pensions Ltd.

Sources and links

The full report on PWS Financial Consulting Limited

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