Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 30 June 2023
Responsible principal firm
The On-Line Partnership Limited Reference number: 192638 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Silverwise Limited (FRN 1057056) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Silverwise's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Silverwise, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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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No website on the FCA register
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Phone number
-
Address
6 Willow Close, Reed, Royston, Hertfordshire, SG8 8BA, United Kingdom
In the full report: 2 background checks
- What kind of line 01763 788092 is
- Who else gives the postcode SG8 8BA
Other names (1)
If you were contacted under any of these names, it is this firm.
- Silverwise Retirement Planning Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The On-Line Partnership Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 14147848 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 2 June 2022 (4 years old)
- Registered office
- 6 Willow Close, Reed, Royston, SG8 8BA, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Charles Alan De Lastic | Director | Apr 1956 | 2 Jun 2022 | 7 other companies |
| Michael Joseph Mahon | Director | May 1959 | 4 Mar 2026 | None |
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 companies
- 7
- still active
- 7
In the full report: all 7 companies, 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
Net assets
£100
No earlier figure to compare
These accounts were filed as dormant: the company reported no significant trading in the period.
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 14147848. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Silverwise’s history from the FCA register and Companies House, newest first.
2026
29 July 2026
- Became an appointed representative
FCA register
2025
26 November 2025
- Michael Joseph Mahon became a part-owner (25–50% of shares)
Companies House
2024
25 April 2024
- Heather Anne De Lastic stopped being a part-owner
Companies House
2022
2 June 2022
- Incorporated at Companies House
- Charles Alan De Lastic took control (75–100% of shares)
- Heather Anne De Lastic became a part-owner (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (6 shown here)
- Every director appointment and resignation: 2
Firms like Silverwise
Other firms of the same type (credit broker), nearest first.
In Royston
In the Stevenage (SG) postcode area
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 Silverwise
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 2 background checks on its contact details
- All 9 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Silverwise?
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Who runs Silverwise?
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What do Silverwise’s latest accounts show?
Does Silverwise use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk