Warwick Road Financial Services Ltd

Reference number: 656015

Instant download

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

Quilter Financial Services Limited Reference number: 440703 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.
  • Warwick Road Financial Services Ltd (FRN 656015) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Warwick Road Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Warwick Road 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 warwickroad.co.uk first appeared online, and whether it can receive email
  • What kind of line 0118 981 3464 is, and the other firm that gives it
  • Who else gives the postcode RG7 8PN
Instant PDF download
Other names (9)

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

  • Beard and Coles Financial Planning Trading name
  • Cathedral City Financial Services Trading name
  • Gold Financial Services Trading name
  • Hoare Jacques Financial Planning Trading name
  • Inspire Financial Partners Trading name
  • Market Wide Trading name
  • Robinson Sharpe Financial Planning Trading name
  • The Partnership Southampton Trading name
  • White Eagle Finance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 name
WARWICK ROAD FINANCIAL SERVICES LIMITED
Company number
09303523
Company status
Active
Company type
Private limited company
Incorporated
10 November 2014 (11 years old)
Registered office
Office 5, The Forest Rock Offices Leicester Road, Whitwick, Coalville, Leicestershire, LE67 5GQ, United Kingdom
Nature of business
  • Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher John Downham Director Mar 1968 15 May 2015 3 other companies
Matthew Charles Beard Director Oct 1966 8 Sep 2015 4 other companies

Other companies run by these 2 directors

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
4
closed down
2
is FCA-registered
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 3 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£409k

+53% from £268k

Cash at bank

£191k

−20% from £238k

Employees (average)

9

Same as 9

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
Instant PDF download
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 09303523. 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

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

Key events (7) All events (22)

2022

18 October 2022

  • Gmdb Limited gave up control
  • Matthew Charles Beard became a part-owner (25–50% of shares)

Companies House

2020

25 September 2020

  • Gmdb Limited took control (75–100% of shares)
  • Michael Cox gave up control

Companies House

2016

10 November 2016

  • Michael Cox took control (75–100% of shares)

Companies House

2014

27 November 2014

  • Became an appointed representative

FCA register

10 November 2014

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (7 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms connected to Warwick Road Financial Services

Other FCA-listed firms that share a director, phone number or address with Warwick Road Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Warwick Road Financial Services

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

In the Reading (RG) postcode area

Alastair Frith Wealth Management (IFA) LimitedReadingAppointed representativeAndrew Edward DellReadingAppointed representativeAndrew Street Wealth Management LtdNewburyAppointed representativeAntony WoodBracknellAppointed representativeApex Financial Services & Wealth Management LtdAppointed representativeApperley Wealth Management LimitedHenley-on-ThamesAppointed 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 Warwick Road Financial Services

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Warwick Road Financial Services Ltd FCA authorised?
Warwick Road Financial Services Ltd (FRN 656015) 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 Warwick Road 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. Warwick Road Financial Services Ltd (FRN 656015) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Warwick Road Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Warwick Road 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 Warwick Road Financial Services’ phone number and website?
The FCA register lists the phone number 0118 981 3464 and the website warwickroad.co.uk for Warwick Road Financial Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Warwick Road Financial Services a scam or clone?
Warwick Road 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 Warwick Road Financial Services?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Warwick Road Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Warwick Road Financial Services?
Companies House lists one person with significant control of Warwick Road Financial Services: Mr Matthew Charles Beard (25–50% of shares). Before that, it was controlled by Mr Michael Cox and Gmdb Limited.
Who runs Warwick Road Financial Services?
Companies House lists 2 directors of Warwick Road Financial Services: Christopher John Downham and Matthew Charles Beard.
How long has Warwick Road Financial Services been in business?
The company was formed on 10 November 2014.
What do Warwick Road Financial Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £409k (+53% from £268k) and cash at bank of £191k (−20% from £238k).
Does Warwick Road Financial Services use any other names?
It trades as Beard and Coles Financial Planning, Cathedral City Financial Services, Gold Financial Services, Hoare Jacques Financial Planning and Inspire Financial Partners, and 4 more names.

Sources and links

The full report on Warwick Road Financial Services Ltd

£19.99 · Instant PDF download

Loading secure checkout…