The Water Row Company Ltd

Reference number: 1016534

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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

GOVAN HOUSING ASSOCIATION LIMITED Reference number: 782724 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.
  • The Water Row Company Ltd (FRN 1016534) is an AR of GOVAN HOUSING ASSOCIATION LIMITED (FRN 782724). When you use The Water Row Company's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Water Row Company, 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

  • When govanha.org.uk first appeared online, and whether it can receive email
  • What kind of line 0141 440 0308 is, and the other firm that gives it
  • Who else gives the postcode G51 2YU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Govan Housing Association 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
SC784384
Company status
Active
Company type
Private limited company
Incorporated
29 September 2023 (3 years old)
Registered office
246 Edmiston Drive, Glasgow, G51 2YU, Scotland
Nature of business
  • Factoring (SIC 64992)
  • Renting and operating of Housing Association real estate (SIC 68201)
  • Other letting and operating of own or leased real estate (SIC 68209)

Directors and company secretaries

Name Role Born Appointed Other companies
Avril Williamson Director Oct 1958 29 Sep 2023 2 other companies
Robert Graham Director Jan 1974 3 Nov 2023 None
Brian Trearty Director Jun 1962 15 Feb 2024 None
Andrea Lindsay Mina Director May 1976 14 May 2025 None

Other companies run by these 4 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
2
closed down
1
still active
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsAudited

Net assets

£83.4k

No earlier figure to compare

Cash at bank

£432k

No earlier figure to compare

Owed within a year

£848k

No earlier figure to compare

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 SC784384. 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 Water Row Company’s history from the FCA register and Companies House, newest first.

Key events (3) All events (11)

2024

22 August 2024

  • Became an appointed representative

FCA register

2023

29 September 2023

  • Incorporated at Companies House
  • Govan Housing Association Ltd took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (3 shown here)
  • Every director appointment and resignation: 8
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Firms connected to The Water Row Company

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

connected firm
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like The Water Row Company

Other firms of the same type (debt advice or management), nearest first.

In Glasgow

AMI Financial Solutions LimitedGlasgowAuthorisedBridgeton Citizens Advice BureauGlasgowAuthorisedBridgeton Citizens Advice Bureau SCIOGlasgowAuthorisedCarrington Dean Group LimitedGlasgowAuthorisedCassiltoun Housing AssociationGlasgowAuthorisedCastlemilk Citizens Advice BureauGlasgowAuthorised

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 Water Row Company

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 11 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is The Water Row Company Ltd FCA authorised?
The Water Row Company Ltd (FRN 1016534) 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 The Water Row Company?
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. The Water Row Company Ltd (FRN 1016534) is an AR of GOVAN HOUSING ASSOCIATION LIMITED (FRN 782724). When you use The Water Row Company's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Water Row Company, 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 The Water Row Company’s phone number and website?
The FCA register lists the phone number 0141 440 0308 and the website govanha.org.uk for The Water Row Company. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is The Water Row Company a scam or clone?
The Water Row Company 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 Water Row Company?
Protection works through Govan Housing Association Limited, the principal firm responsible for The Water Row Company's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Water Row Company?
The Water Row Company is owned by Govan Housing Association Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 September 2023.
Who runs The Water Row Company?
Companies House lists 4 directors of The Water Row Company: Avril Williamson, Robert Graham, Brian Trearty and Andrea Lindsay Mina.
How long has The Water Row Company been in business?
The company was formed on 29 September 2023.
What do The Water Row Company’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £83.4k (no earlier figure to compare) and cash at bank of £432k (no earlier figure to compare).

Sources and links

The full report on The Water Row Company Ltd

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