Tercos Financial Limited

Reference number: 475711

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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.

Responsible principal firm

HL Partnership Limited Reference number: 303397 Authorised 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.
  • Tercos Financial Limited (FRN 475711) is an AR of HL Partnership Limited (FRN 303397). When you use Tercos Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Tercos Financial, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When tercos.co.uk first appeared online, and whether it can receive email
  • What kind of line 01472 695173 is
  • Who else gives the postcode DN31 1UL
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Other names (1)

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

  • Tercos Financial Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL 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, free
    You 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
06391526
Company status
Active
Company type
Private limited company
Incorporated
5 October 2007 (19 years old)
Registered office
5 Town Hall Street, Grimsby, DN31 1HN, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Charles Pinkney Director Feb 1959 9 Oct 2007 1 other company
Karen Lesley Pinkney Secretary Not published 9 Oct 2007 –

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£401

Up £275 from £126

Employees (average)

2

Same as 2

Owed within a year

£15.9k

−9.7% from £17.7k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 06391526. 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

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

2025

13 March 2025

  • Changed its registered name from "Tercos Financial Ltd"

FCA register

2022

22 July 2022

  • Began trading as "Tercos Financial"

FCA register

2016

6 April 2016

  • Chris Pinkney became the majority owner (50–75% of shares)
  • Karen Lesley Pinkney became a part-owner (25–50% of shares)

Companies House

2007

26 November 2007

  • Became an appointed representative

FCA register

9 October 2007

  • Christopher Charles Pinkney appointed as a director

Companies House

5 October 2007

  • Incorporated at Companies House

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Tercos Financial

Other FCA-listed firms that share a director, phone number or address with Tercos Financial. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Tercos Financial

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

In Grimsby

Futurebuild (Lincs) LtdGrimsbyAppointed representativeGeoffrey Davis Mortgage Solutions LtdGrimsbyAppointed representativeMark Pulford Financial Services LtdGrimsbyAppointed representativePersonal Touch Mortgages LtdGrimsbyAppointed representativeStag Mortgage & Insurance ServicesGrimsbyAppointed representativeJohn LeeGrimsbyAuthorised

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 Tercos Financial

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 7 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Tercos Financial Limited FCA authorised?
Tercos Financial Limited (FRN 475711) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Tercos Financial?
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. Tercos Financial Limited (FRN 475711) is an AR of HL Partnership Limited (FRN 303397). When you use Tercos Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Tercos Financial, 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.
What is Tercos Financial’s phone number and website?
The FCA register lists the phone number 01472 695173 and the website tercos.co.uk for Tercos Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Tercos Financial a scam or clone?
Tercos 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 Tercos Financial?
Protection works through HL Partnership Limited, the principal firm responsible for Tercos Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Tercos Financial?
Companies House lists 2 people with significant control of Tercos Financial: Mr Chris Pinkney (50–75% of shares) and Mrs Karen Lesley Pinkney (25–50% of shares).
Who runs Tercos Financial?
Companies House lists one director of Tercos Financial: Christopher Charles Pinkney.
How long has Tercos Financial been in business?
The company was formed on 5 October 2007.
What do Tercos Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £401 (up £275 from £126).
Does Tercos Financial use any other names?
It has previously used the name Tercos Financial Ltd.

Sources and links

The full report on Tercos Financial Limited

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