Universal Securities Nw Ltd

Reference number: 985644

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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

    01282 690929

  • Address

    52 Manchester Road, Nelson, Lancashire, BB9 7EJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01282 690929 is
  • Who else gives the postcode BB9 7EJ
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Other names (1)

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

  • VICTORIA VAULTS Trading name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
14355672
Company status
Active
Company type
Private limited company
Incorporated
14 September 2022 (4 years old)
Registered office
Unit 5 Astra Centre, Royle Barn Road, Rochdale, OL11 3DT, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Mohammad Altaf Director May 1978 14 Sep 2022 7 other companies

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 companies
7
closed down
3
still active
4

In the full report: all 7 companies, 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
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Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Net assets

£108k

+4.5% from £103k

Cash at bank

£51

−99% from £4,311

Employees (average)

1

Same as 1

Owed within a year

£458k

<1% from £457k

Assets and liabilities

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 14355672. 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

Universal Securities Nw’s history from the FCA register and Companies House, newest first.

2022

19 December 2022

  • Registered with the FCA

FCA register

17 October 2022

  • Began trading as "VICTORIA VAULTS"

FCA register

14 September 2022

  • Incorporated at Companies House
  • Mohammad Altaf took control (75–100% of shares)
  • Mohammad Altaf appointed as a director

Companies House

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

Firms connected to Universal Securities Nw

Other FCA-listed firms that share a director, phone number or address with Universal Securities Nw. 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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Get the full report on Universal Securities Nw

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

  • 7 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 5 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Universal Securities Nw Ltd FCA authorised?
Universal Securities Nw Ltd (FRN 985644) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Universal Securities Nw’s phone number?
The FCA register lists the phone number 01282 690929 for Universal Securities Nw. If you were given different contact details, use these to check with the firm before going any further.
Is Universal Securities Nw a scam or clone?
Universal Securities Nw is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Universal Securities Nw?
Money you hand to Universal Securities Nw is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Universal Securities Nw?
Companies House lists one person with significant control of Universal Securities Nw: Mr Mohammad Altaf (75–100% of shares).
Who runs Universal Securities Nw?
Companies House lists one director of Universal Securities Nw: Mohammad Altaf.
How long has Universal Securities Nw been in business?
The company was formed on 14 September 2022.
What do Universal Securities Nw’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £108k (+4.5% from £103k) and cash at bank of £51 (−99% from £4,311).
Does Universal Securities Nw use any other names?
It trades as VICTORIA VAULTS.

Sources and links

The full report on Universal Securities Nw Ltd

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