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 17 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £12.9k more than it owned
Responsible principal firm
OSL Financial Services Ltd Reference number: 948512 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.
- Steel & Co (East Anglia) Financial Services Ltd (FRN 507595) is an AR of OSL Financial Services Ltd (FRN 948512). When you use Steel & Co (East Anglia) Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Steel & Co (East Anglia) Financial Services, 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
92 High Street, Lowestoft, Suffolk, NR32 1XW, United Kingdom
In the full report: 2 background checks
- What kind of line 01502 446000 is
- Who else gives the postcode NR32 1XW
Other names (5)
If you were contacted under any of these names, it is this firm.
- Steel & Co Financial Services Trading name: A name it trades under now.
- Amanda Steel Former name: A name it was registered under before.
- Steel & Co (East Anglia) Financial Services Limited Former name: A name it was registered under before.
- Amanda Steel Financial Services Former trading name: A name it used to trade under.
- Ganaden Mortgage Centre Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through OSL Financial Services Ltd, 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
- STEEL & CO (EAST ANGLIA) FINANCIAL SERVICES LIMITED
- Company number
- 10146851 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 April 2016 (10 years old)
- Registered office
- Number Sixty One, Alexandra Road, Lowestoft, Suffolk, NR32 1PL, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Amanda Steel | Director | Feb 1982 | 26 Apr 2016 | 6 other companies |
| Daniel Peter Steel | Director | Feb 1955 | 26 Apr 2016 | 17 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
- 20
- closed down
- 10
- went insolvent
- 1
In the full report: all 20 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 3 companies these 2 directors run together
Filed accounts and finances
Total equity
−£12.9k
Down £10.5k from −£2,328
Employees (average)
1
Same as 1
Owed within a year
£42.1k
+52% from £27.7k
Total equity is negative: on its last balance sheet the company owed £12.9k 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 10146851. 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
This firm’s history from the FCA register and Companies House, newest first.
2024
26 July 2024
- Changed its registered name from "Steel & Co (East Anglia) Financial Services Limited"
- Changed its registered name from "Steel & Co (East Anglia) Financial Services Ltd"
FCA register
2017
31 May 2017
- Changed its registered name from "Amanda Steel"
FCA register
6 April 2017
- Amanda Steel became a part-owner (25–50% of shares)
- Daniel Peter Steel became a part-owner (25–50% of shares)
Companies House
2016
26 April 2016
- Incorporated at Companies House
Companies House
2009
29 September 2009
- Became an appointed representative
FCA register
In the full report: all 14 events
- All 14 events in its history (7 shown here)
- Every director appointment and resignation: 2
Similar firms
Other firms of the same type (mortgage adviser or broker), nearest first.
In Lowestoft
In the Norwich (NR) 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 this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 20 other companies 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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What do Steel & Co (East Anglia) Financial Services’ latest accounts show?
Does Steel & Co (East Anglia) Financial Services 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