True North Financial Services Ltd.

Reference number: 915662

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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

LWM10 LTD Reference number: 458204 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.
  • True North Financial Services Ltd. (FRN 915662) is an AR of LWM10 LTD (FRN 458204). When you use True North Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from True North 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.

  • No website on the FCA register

  • Phone number

    07712 154069

  • Address

    424 Clayton Road, Bradford, West Yorkshire, BD7 2SH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07712 154069 is
  • Who else gives the postcode BD7 2SH
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Other names (2)

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

  • True North FS Trading name
  • Kevin Ridley Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Lwm10 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, 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 name
TRUE NORTH FINANCIAL SERVICES LIMITED
Company number
12256619
Company status
Active
Company type
Private limited company
Incorporated
11 October 2019 (7 years old)
Registered office
424 Clayton Road, Bradford, BD7 2SH, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Lee Ridley Director Dec 1969 11 Oct 2019 None
Leanne Dawn Ridley Secretary Not published 11 Oct 2019 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£505

Up £181 from £324

Employees (average)

2

+100% from 1

Owed within a year

£24.7k

−10% from £27.6k

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
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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 12256619. 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

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

2026

16 January 2026

  • Leanne Ridley became a part-owner (25–50% of shares)

Companies House

2020

12 June 2020

  • Leanne Dawn Ridley stopped being a part-owner

Companies House

22 April 2020

  • Changed its registered name from "Kevin Ridley"

FCA register

2019

23 October 2019

  • Became an appointed representative
  • Began trading as "True North FS"

FCA register

11 October 2019

  • Incorporated at Companies House
  • Kevin Lee Ridley became a part-owner (25–50% of shares)
  • Leanne Dawn Ridley became a part-owner (25–50% of shares)
  • Kevin Lee Ridley appointed as a director

Companies House

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

Firms like True North Financial Services

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

In Bradford

BH Wealth Management LtdBradfordAppointed representativeOsprey Financial Planning LtdBradfordAppointed representativeWatson Buckle Wealth Management LimitedBradfordAppointed representativeFruition Financial Services LtdBradfordAuthorisedSound Advice Financial Management LtdBradfordAuthorisedT L Dallas Independent Financial Services LimitedBradfordAuthorised

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 True North Financial Services

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is True North Financial Services Ltd. FCA authorised?
True North Financial Services Ltd. (FRN 915662) 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 True North 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. True North Financial Services Ltd. (FRN 915662) is an AR of LWM10 LTD (FRN 458204). When you use True North Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from True North 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 True North Financial Services’ phone number?
The FCA register lists the phone number 07712 154069 for True North Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is True North Financial Services a scam or clone?
True North 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 True North Financial Services?
Protection works through Lwm10 Ltd, the principal firm responsible for True North Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns True North Financial Services?
Companies House lists 2 people with significant control of True North Financial Services: Mrs Leanne Ridley (25–50% of shares) and Mr Kevin Lee Ridley (25–50% of shares). Before that, it was controlled by Leanne Dawn Ridley.
Who runs True North Financial Services?
Companies House lists one director of True North Financial Services: Kevin Lee Ridley.
How long has True North Financial Services been in business?
The company was formed on 11 October 2019.
What do True North Financial Services’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £505 (up £181 from £324).
Does True North Financial Services use any other names?
It trades as True North FS. It has previously used the name Kevin Ridley.

Sources and links

The full report on True North Financial Services Ltd.

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