PWS Gulf Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 13 years
Your funds are protected by FSCS
No FCA actions
Active company since 2012
Accounts filed up to 30 September 2021

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

pwsgulf.com (opens in a new tab)
Phone number

07809 331364
Address

Winterton House, High Street, Westerham, Kent, TN16 1AQ, United Kingdom

In the full report: 3 background checks

When pwsgulf.com first appeared online, and whether it can receive email
What kind of line 07809 331364 is
Who else gives the postcode TN16 1AQ

FCA permissions and consumer protection

Hold or safeguard your money · 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.
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.
Sell or arrange insurance FSCS may apply
Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
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 (6 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Dealing in investments as agent
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: 08204223 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 6 September 2012 (14 years old)
Registered office: 1 Cornhill, London, EC3V 3ND
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Eric Bathurst	Director	Mar 1954	6 Sep 2012	3 other companies
Michael Charles Cashin	Director	Sep 1956	6 Sep 2012	2 other companies
Arun Anand	Director	Mar 1978	17 Aug 2026	None
MCKENZIE-SMART NOMINEES LIMITED	Corporate secretary	Not published	9 Mar 2026	–

Other companies run by these 3 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: 5
closed down: 2
is FCA-registered: 1

In the full report: all 5 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register

Filed accounts and finances

Year to 30 September 2021Full accountsAudited

Total equity

£122k

+4.6% from £116k

Cash at bank

£375k

+38% from £271k

Employees (average)

2

Same as 2

Owed within a year

£792k

−11% from £892k

Assets and liabilities

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.

Accounts filed at Companies House for company 08204223. 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 Gulf’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2017

1 September 2017

Michael Charles Cashin took control (75–100% of shares)

Companies House

2013

2 April 2013

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

FCA register

2012

6 September 2012

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms connected to PWS Gulf

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

connected firm: 1
share its postcode: 1
past link: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates
1 past link through former directors

Firms like PWS Gulf

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

In Westerham

Acer Services LimitedWesterhamAuthorised Aro Underwriting Group LtdWesterhamAuthorised Character Financial Services LimitedWesterhamAppointed representative GS London Markets LtdWesterhamAppointed 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 PWS Gulf

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

5 other companies its directors have run, named
3 background checks on its contact details
All 8 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is PWS Gulf Ltd FCA authorised?

Yes, PWS Gulf Ltd (FRN 589999) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2013 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is PWS Gulf’s phone number and website?

The FCA register lists the phone number 07809 331364 and the website pwsgulf.com for PWS Gulf. If you were given different contact details, use these to check with the firm before going any further.

Is PWS Gulf a scam or clone?

PWS Gulf 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 Gulf?

It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about PWS Gulf to the Financial Ombudsman Service, free of charge.

Who owns PWS Gulf?

Companies House lists one person with significant control of PWS Gulf: Michael Charles Cashin (75–100% of shares).

Who runs PWS Gulf?

Companies House lists 3 directors of PWS Gulf: Andrew Eric Bathurst, Michael Charles Cashin and Arun Anand.

How long has PWS Gulf been in business?

The company was formed on 6 September 2012, and has held its current FCA authorisation since April 2013.

What do PWS Gulf’s latest accounts show?

Its latest accounts, to 30 September 2021, show total equity of £122k (+4.6% from £116k) and cash at bank of £375k (+38% from £271k).