The Only Way Is Granite Limited

Reference number: 1008746

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Switcha Limited Reference number: 828963 Authorised 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.
  • THE ONLY WAY IS GRANITE LIMITED (FRN 1008746) introduces customers to Switcha Limited (FRN 828963). Any regulated advice or arranging is done by the principal, not THE ONLY WAY IS GRANITE.
  • Example: if THE ONLY WAY IS GRANITE refers you to a financial adviser, the advice should come from the principal firm, not from THE ONLY WAY IS GRANITE 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.

In the full report: 3 background checks

  • When egkw.co.uk first appeared online, and whether it can receive email
  • What kind of line 01277 800023 is
  • Who else gives the postcode SS11 7AB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Switcha 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.

Company number
09801334
Company status
Active
Company type
Private limited company
Incorporated
30 September 2015 (11 years old)
Registered office
14 Runwell Road, Wickford, SS11 7AB, England
Nature of business
  • Construction of utility projects for fluids (SIC 42210)

Directors and company secretaries

Name Role Born Appointed Other companies
Gi Bradley Garwood Director Aug 1974 30 Sep 2015 None
Nicholas Garwood Director Sep 1993 2 Jun 2016 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£265k

−23% from £345k

Employees (average)

5

Same as 5

Owed within a year

£32.2k

−33% from £47.9k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 09801334. 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

The Only Way Is Granite’s history from the FCA register and Companies House, newest first.

2024

8 February 2024

  • Became an introducer appointed representative

FCA register

2016

2 June 2016

  • Nicholas Garwood became a part-owner (25–50% of shares)
  • Nicholas Garwood appointed as a director

Companies House

6 April 2016

  • Gi Bradley Garwood took control (25–50% of shares)

Companies House

2015

30 September 2015

  • Incorporated at Companies House
  • Gi Bradley Garwood appointed as a director

Companies House

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

Firms connected to The Only Way Is Granite

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like The Only Way Is Granite

Other firms of the same type (credit broker), nearest first.

In Wickford

Balgores Commercial Finance LimitedWickfordAppointed representativeSuzi StripeWickfordAppointed representativeUltimate Pool Retail LimitedWickfordAppointed representativeEssex Partnership University NHS Foundation TrustWickfordAuthorised

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 The Only Way Is Granite

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Only Way Is Granite Limited FCA authorised?
The Only Way Is Granite Limited (FRN 1008746) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for The Only Way Is Granite?
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. The Only Way Is Granite Limited (FRN 1008746) introduces customers to Switcha Limited (FRN 828963). Any regulated advice or arranging is done by the principal, not The Only Way Is Granite. Example: if The Only Way Is Granite refers you to a financial adviser, the advice should come from the principal firm, not from The Only Way Is Granite 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.
What is The Only Way Is Granite’s phone number and website?
The FCA register lists the phone number 01277 800023 and the website egkw.co.uk for The Only Way Is Granite. If you were given different contact details, use these to check with the firm before going any further.
Is The Only Way Is Granite a scam or clone?
The Only Way Is Granite 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 The Only Way Is Granite?
Protection works through Switcha Limited, the principal firm responsible for The Only Way Is Granite's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Only Way Is Granite?
Companies House lists 2 people with significant control of The Only Way Is Granite: Mr Gi Bradley Garwood (25–50% of shares) and Mr Nicholas Garwood (25–50% of shares).
Who runs The Only Way Is Granite?
Companies House lists 2 directors of The Only Way Is Granite: Gi Bradley Garwood and Nicholas Garwood.
How long has The Only Way Is Granite been in business?
The company was formed on 30 September 2015.
What do The Only Way Is Granite’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £265k (−23% from £345k).

Sources and links

The full report on The Only Way Is Granite Limited

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