Town and Village Financial Services Limited

Reference number: 216542

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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

Openwork Limited Reference number: 408285 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.
  • Town and Village Financial Services Limited (FRN 216542) is an AR of Openwork Limited (FRN 408285). When you use Town and Village Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Town and Village 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.

In the full report: 3 background checks

  • When townandvillagefs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01772 600936 is
  • Who else gives the postcode PR26 9AJ
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Other names (1)

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

  • Town & Village Financial Services Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
04281092
Company status
Active
Company type
Private limited company
Incorporated
4 September 2001 (25 years old)
Registered office
The Iron Barn South Road, Bretherton, Leyland, PR26 9AJ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Anthony Neil Berry Director May 1969 4 Sep 2001 1 other company

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 30 September 2025Small company accountsNot audited

Net assets

−£30.9k

−422% from £9,584

Cash at bank

£7,608

Up £6,933 from £675

Employees (average)

4

+100% from 2

Owed within a year

£40.2k

−35% from £61.4k

Net assets are negative: on its last balance sheet the company owed £30.9k more than it owned.

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 04281092. 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

Town and Village Financial Services’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

  • Anthony Neil Berry took control (75–100% of shares)

Companies House

2007

23 February 2007

  • Changed its registered name from "Town & Village Financial Services Ltd"

FCA register

2002

16 July 2002

  • Became an appointed representative

FCA register

2001

4 September 2001

  • Incorporated at Companies House
  • Anthony Neil Berry appointed as a director

Companies House

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

Firms connected to Town and Village Financial Services

Other FCA-listed firms that share a director, phone number or address with Town and Village Financial Services. 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 Town and Village Financial Services

Other firms of the same type (financial adviser), nearest first.

In Leyland

David GouldingLeylandAppointed representativeMaltby Financial Services LimitedLeylandAppointed representativeMcDonald Wealth Management LtdLeylandAppointed representativeSpeight Wealth Management LimitedLeylandAppointed representativeTaxGem LimitedLeylandAppointed representative

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 Town and Village Financial Services

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
  • 7 years of accounts, charted
  • All 5 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Town and Village Financial Services Limited FCA authorised?
Town and Village Financial Services Limited (FRN 216542) 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 Town and Village Financial Services?
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. Town and Village Financial Services Limited (FRN 216542) is an AR of Openwork Limited (FRN 408285). When you use Town and Village Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Town and Village 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.
What is Town and Village Financial Services’ phone number and website?
The FCA register lists the phone number 01772 600936 and the website townandvillagefs.co.uk for Town and Village Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Town and Village Financial Services a scam or clone?
Town and Village Financial Services 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 Town and Village Financial Services?
Protection works through Openwork Limited, the principal firm responsible for Town and Village Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Town and Village Financial Services?
Companies House lists one person with significant control of Town and Village Financial Services: Mr Anthony Neil Berry (75–100% of shares).
Who runs Town and Village Financial Services?
Companies House lists one director of Town and Village Financial Services: Anthony Neil Berry.
How long has Town and Village Financial Services been in business?
The company was formed on 4 September 2001.
What do Town and Village Financial Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£30.9k (−422% from £9,584) and cash at bank of £7,608 (up £6,933 from £675).
Does Town and Village Financial Services use any other names?
It has previously used the name Town & Village Financial Services Ltd.

Sources and links

The full report on Town and Village Financial Services Limited

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