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.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £176k more than it owned
Responsible principal firm
Tower Leasing Limited Reference number: 667945 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.
- Virtus Finance Limited (FRN 1008227) is an AR of Tower Leasing Limited (FRN 667945). When you use Virtus Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Virtus Finance, 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.
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No website on the FCA register
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Phone number
-
Address
Unit 2, Trent Park Mews, Eastern Avenue, Lichfield, Staffordshire, WS13 6RN, United Kingdom
In the full report: 2 background checks
- What kind of line 07814 783080 is
- Who else gives the postcode WS13 6RN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Tower Leasing 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, freeYou 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
- 15342285 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 December 2023 (2 years old)
- Registered office
- Green House, Ninian Way, Tamworth, Staffordshire, B77 5DE, United Kingdom
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kyle William Davies-Shuck | Director | Oct 1992 | 11 Dec 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
−£176k
Down £50.9k from −£126k
Cash at bank
£0
Down £43 from £43
Owed within a year
£69.8k
+100% from £34.8k
Net assets are negative: on its last balance sheet the company owed £176k more than it owned.
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 15342285. 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
Virtus Finance’s history from the FCA register and Companies House, newest first.
2025
23 July 2025
- Joseph Anthony Cuffe no longer holds 25–50% of the votes
Companies House
2024
7 March 2024
- Became an appointed representative
FCA register
2023
11 December 2023
- Incorporated at Companies House
- Joseph Anthony Cuffe gained 25–50% of the votes
- Kyle William Davies-Shuck gained 25–50% of the votes
- Satpal Singh Dhaiwal became a part-owner (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms connected to Virtus Finance
Other FCA-listed firms that share a director, phone number or address with Virtus Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Virtus Finance
Other firms of the same type (car dealer), nearest first.
In Lichfield
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 Virtus Finance
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
- All 9 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for Virtus Finance?
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Who runs Virtus Finance?
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What do Virtus Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk