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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2018
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £201k more than it owned
Responsible principal firm
Embrace Orthodontics Limited Reference number: 937585 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.
- St Raphael's Orthodontics Ltd (FRN 978554) is an AR of Embrace Orthodontics Limited (FRN 937585). When you use St Raphael's Orthodontics's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from St Raphael's Orthodontics, 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.
-
No website on the FCA register
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Phone number
-
Address
73 The Concourse, Skelmersdale, Lancashire, WN8 6HD, United Kingdom
In the full report: 2 background checks
- What kind of line 01695 302190 is
- Who else gives the postcode WN8 6HD
Other names (2)
If you were contacted under any of these names, it is this firm.
- Bright Orthodontics Trading name: A name it trades under now.
- Bright orthodontics-Skelmersdale Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Embrace Orthodontics 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 name
- ST RAPHAEL'S ORTHODONTICS LIMITED
- Company number
- 11428650 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 June 2018 (8 years old)
- Registered office
- Bright Orthodontics Widnes, 130-132 Widnes Road, Widnes, WA8 6AX, England
- Nature of business
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- Dental practice activities (SIC 86230)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Raphy Paul Cheruvathur (Dr) | Director | Feb 1977 | 22 Jun 2018 | 5 other companies |
| Puthri Raphy (Dr) | Director | Oct 1980 | 22 Jun 2018 | 5 other companies |
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
- 5
- still active
- 5
- are FCA-registered
- 3
In the full report: all 5 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
- The 3 on the FCA register
- The 5 companies these 2 directors run together
Filed accounts and finances
Net assets
−£201k
Down £59.8k from −£141k
Cash at bank
£123k
Up £114k from £8,511
Employees (average)
9
+29% from 7
Owed within a year
£453k
+174% from £165k
Net assets are negative: on its last balance sheet the company owed £201k more than it owned.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2019 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 11428650. 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
St Raphael's Orthodontics’s history from the FCA register and Companies House, newest first.
2022
5 July 2022
- Became an appointed representative
FCA register
2021
11 October 2021
- Puthri Raphy stopped being a part-owner
- Raphy Paul Cheruvathur stopped being a part-owner
- St George's Holdings Limited took control (75–100% of shares)
Companies House
2020
20 February 2020
- Puthri Raphy became a part-owner (25–50% of shares)
- Raphy Paul Cheruvathur became a part-owner (25–50% of shares)
Companies House
2018
22 June 2018
- Incorporated at Companies House
Companies House
In the full report: all 11 events
- All 11 events in its history (7 shown here)
- Every director appointment and resignation: 2
Firms connected to St Raphael's Orthodontics
Other FCA-listed firms that share a director, phone number or address with St Raphael's Orthodontics. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3)
- Who links each one: the named directors, with dates
Firms like St Raphael's Orthodontics
Other firms of the same type (dental or medical practice), nearest first.
In Skelmersdale
In the Wigan (WN) 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 St Raphael's Orthodontics
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
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 11 events in its history
- 3 connected firms, named, and who links them
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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