Rjw Financial Limited

Reference number: 446789

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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 rjw-associates.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8393 7954 is
  • Who else gives the postcode KT17 3HN
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Other names (1)

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

  • RJW Associates Trading 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 (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 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
  • Providing Credit Information Services

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
05654357
Company status
Active
Company type
Private limited company
Incorporated
14 December 2005 (20 years old)
Registered office
Suite 13, 5 Hercules Way Leavesden Park, Watford, Hertfordshire, WD25 7GS, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Beverley Patricia Winterhalter Director Apr 1963 14 Dec 2005 None
Robert John Winterhalter Director Jan 1962 14 Dec 2005 None
Beverley Patricia Winterhalter Secretary Not published 14 Dec 2005 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£302k

+12% from £270k

Employees (average)

2

Same as 2

Owed within a year

£34.9k

+14% from £30.5k

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 05654357. 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

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

Key events (6) All events (11)

2016

6 April 2016

  • Beverley Patricia Winterhalter became a part-owner (25–50% of shares)
  • Robert John Winterhalter became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

16 February 2006

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2005

14 December 2005

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like Rjw Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In Epsom

D G S Mortgage Solutions LtdEpsomAuthorisedEMS Mortgage ServicesEpsomAuthorisedQT Financial LtdEpsomAuthorisedRussell Martin Financial Services LimitedEpsomAuthorisedThe Melia Partnership LtdEpsomAuthorisedAndrew AyleyEpsomAppointed 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 Rjw Financial

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, 1 flagged
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Rjw Financial Limited FCA authorised?
Yes, Rjw Financial Limited (FRN 446789) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2006 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Rjw Financial’s phone number and website?
The FCA register lists the phone number 020 8393 7954 and the website rjw-associates.co.uk for Rjw Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Rjw Financial a scam or clone?
Rjw 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 Rjw 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 Rjw Financial to the Financial Ombudsman Service, free of charge.
Who owns Rjw Financial?
Companies House lists 2 people with significant control of Rjw Financial: Mr Robert John Winterhalter (25–50% of shares) and Mrs Beverley Patricia Winterhalter (25–50% of shares).
Who runs Rjw Financial?
Companies House lists 2 directors of Rjw Financial: Beverley Patricia Winterhalter and Robert John Winterhalter.
How long has Rjw Financial been in business?
The company was formed on 14 December 2005, and has held its current FCA authorisation since February 2006.
What do Rjw Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £302k (+12% from £270k).
Does Rjw Financial use any other names?
It trades as RJW Associates.

Sources and links

The full report on Rjw Financial Limited

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