Vision Financial Services Ltd

Reference number: 1001842

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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

Connect IFA Ltd Reference number: 441505 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.
  • VISION FINANCIAL SERVICES LTD (FRN 1001842) is an AR of Connect IFA Ltd (FRN 441505). When you use VISION FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from VISION 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

    07852 874116

  • Address

    Fortis House, Cothey Way, Ryde, Isle Of Wight, PO33 1QT, United Kingdom

In the full report: 2 background checks

  • What kind of line 07852 874116 is
  • Who else gives the postcode PO33 1QT
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Other names (1)

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

  • Vision Financial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Connect IFA 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 number
14576263
Company status
Active
Company type
Private limited company
Incorporated
6 January 2023 (3 years old)
Registered office
Vision Accounting Fortis House, Cothey Way, Ryde, Isle Of Wight, PO33 1QT, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Charlotte Deacon Director May 1990 6 Jan 2023 3 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
3
closed down
1
still active
2

In the full report: all 3 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 31 December 2025Small company accountsNot audited

Net assets

−£38.8k

Down £9,817 from −£29.0k

Cash at bank

£695

−62% from £1,841

Employees (average)

1

Same as 1

Owed within a year

£41.8k

+26% from £33.2k

Net assets are negative: on its last balance sheet the company owed £38.8k more than it owned.

Net assets

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 14576263. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2023

29 November 2023

  • Began trading as "Vision Financial"

FCA register

21 September 2023

  • Became an appointed representative

FCA register

6 January 2023

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

Companies House

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

Firms connected to Vision Financial Services

Other FCA-listed firms that share a director, phone number or address with Vision Financial Services. 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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Firms like Vision Financial Services

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Portsmouth (PO) postcode area

Adam YatesPortsmouthAppointed representativeAFS Southern LtdWaterloovilleAppointed representativeAlbany Park Mortgages LimitedFarehamAppointed representativeAmore Life LimitedWaterloovilleAppointed representativeAmore Mortgages LimitedWaterloovilleAppointed representativeAnna Marrufo Mortgages LimitedGosportAppointed 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 Vision Financial Services

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

  • 3 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 Vision Financial Services Ltd FCA authorised?
Vision Financial Services Ltd (FRN 1001842) 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 Vision 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. Vision Financial Services Ltd (FRN 1001842) is an AR of Connect IFA Ltd (FRN 441505). When you use Vision Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vision 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 Vision Financial Services’ phone number?
The FCA register lists the phone number 07852 874116 for Vision Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Vision Financial Services a scam or clone?
Vision 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 Vision Financial Services?
Protection works through Connect IFA Ltd, the principal firm responsible for Vision Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vision Financial Services?
Companies House lists one person with significant control of Vision Financial Services: Mrs Charlotte Deacon (75–100% of shares).
Who runs Vision Financial Services?
Companies House lists one director of Vision Financial Services: Charlotte Deacon.
How long has Vision Financial Services been in business?
The company was formed on 6 January 2023.
What do Vision Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£38.8k (down £9,817 from −£29.0k) and cash at bank of £695 (−62% from £1,841).
Does Vision Financial Services use any other names?
It trades as Vision Financial.

Sources and links

The full report on Vision Financial Services Ltd

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