"Richardson & Associates" Independent Financial and Mortgage Services Limited
Reference number: 809956
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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.
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Phone number
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Address
1A West Walk, Bowes Offices, Lambton Park, Chester le Street, County Durham, DH3 4AN, United Kingdom
In the full report: 3 background checks
- When richardsonassociatesifa.co.uk first appeared online, and whether it can receive email
- What kind of line 0191 521 4408 is
- Who else gives the postcode DH3 4AN
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- 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
Limits on what they may do
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Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises
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
- 05179519 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 July 2004 (22 years old)
- Registered office
- West Walk 1a Bowes Offices, Lambton Park, Chester Le Street, Co Durham, DH3 4AN, England
- Nature of business
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- Activities of open-ended investment companies (SIC 64304)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gillian Richardson | Director | Jun 1960 | 14 Jul 2004 | None |
| Thomas Richardson | Director | Nov 1960 | 14 Jul 2004 | None |
| Gillian Richardson | Secretary | Not published | 14 Jul 2004 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£50.4k
+12% from £45.1k
Cash at bank
£69.5k
−6% from £74.0k
Employees (average)
2
Same as 2
Owed within a year
£32.1k
+2.3% from £31.4k
Net assets
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
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 05179519. Figures are exactly as filed; nothing is estimated.
Key dates in its history
This firm’s history from the FCA register and Companies House, newest first.
2018
15 October 2018
- Regulated by the FCA from this date
- FCA imposed a requirement (Not permitted to canvass off trade premises)
- Became authorised by the FCA
FCA register
2016
15 July 2016
- Gillian Richardson became a part-owner (25–50% of shares)
- Thomas Richardson became a part-owner (25–50% of shares)
Companies House
2004
14 July 2004
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 2
Connected firms
Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: the same postcode (3)
- Who links each one: the named directors, with dates
Similar firms
Other firms of the same type (financial adviser), nearest first.
In Chester le Street
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 this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 10 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
Is "Richardson & Associates" Independent Financial and Mortgage Services Limited FCA authorised?
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Who owns "Richardson & Associates" Independent Financial and Mortgage Services?
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How long has "Richardson & Associates" Independent Financial and Mortgage Services been in business?
What do "Richardson & Associates" Independent Financial and Mortgage Services’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk