Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 3 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 30 June 2025
- On its latest accounts it owed £58.9k more than it owned
Responsible principal firm
SNAP FINANCE LIMITED Reference number: 741813 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- SLEEPTIGHT BEDS (WIDNES) LTD (FRN 988133) introduces customers to SNAP FINANCE LIMITED (FRN 741813). Any regulated advice or arranging is done by the principal, not SLEEPTIGHT BEDS (WIDNES).
- Example: if SLEEPTIGHT BEDS (WIDNES) refers you to a financial adviser, the advice should come from the principal firm, not from SLEEPTIGHT BEDS (WIDNES) itself.
- 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
Unit 6, Victoria Trading Centre, Croft Street, Widnes, Cheshire, WA8 0NQ, United Kingdom
In the full report: 2 background checks
- What kind of line 07814 360603 is
- Who else gives the postcode WA8 0NQ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Sleeptight Beds Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Snap Finance 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
- 07674649 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 June 2011 (15 years old)
- Registered office
- Unit 6 Victoria Trading Estate, Croft Street, Widnes, Cheshire, WA8 0NQ
- Nature of business
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- Retail of furniture, lighting, and similar (not musical instruments or scores) in specialised store (SIC 47599)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Helen James | Director | Jul 1985 | 20 Jun 2011 | None |
| Michael Cartmell | Director | Mar 1995 | 30 Jun 2022 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 4 people who have been directors, with their dates
Filed accounts and finances
Net assets
−£58.9k
Up £41.8k from −£101k
Cash at bank
£46.3k
+7.1% from £43.2k
Owed within a year
£155k
−4.1% from £161k
Net assets are negative: on its last balance sheet the company owed £58.9k more than it owned.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- 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.
Accounts filed at Companies House for company 07674649. 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
Sleeptight Beds (Widnes)’s history from the FCA register and Companies House, newest first.
2023
1 July 2023
- Garry James Farrar stopped being a part-owner
- Michael Cartmell became a part-owner (25–50% of shares)
- Michael Cartmell stopped being a part-owner
Companies House
2022
2 December 2022
- Became an introducer appointed representative
FCA register
2016
6 April 2016
- Garry James Farrar became a part-owner (25–50% of shares)
- Helen James became the majority owner (50–75% of shares)
Companies House
2011
20 June 2011
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (7 shown here)
- Every director appointment and resignation: 6
Firms like Sleeptight Beds (Widnes)
Other firms of the same type (retailer), nearest first.
In Widnes
In the Warrington (WA) 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 Sleeptight Beds (Widnes)
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- Every company its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 14 events in its history
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Frequently asked questions about this firm
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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