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 6 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 31 March 2025
Responsible principal firm
Financing First Limited Reference number: 720098 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.
- Watford Smiles Limited (FRN 926890) is an AR of Financing First Limited (FRN 720098). When you use Watford Smiles's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Watford Smiles, 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
107 Hempstead Road, Watford, Hertfordshire, WD17 3HE, United Kingdom
In the full report: 2 background checks
- What kind of line 01923 231861 is
- Who else gives the postcode WD17 3HE
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Financing First 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
- 08962007 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 March 2014 (12 years old)
- Registered office
- Alpha House, 296 Kenton Road, Harrow, HA3 8DD, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Vishal Chandrakant Bhudia (Dr) | Director | Oct 1985 | 1 Nov 2019 | 3 other companies |
| Ankush Garg (Dr) | Director | Jul 1987 | 1 Nov 2019 | 1 other company |
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
- 1
- still active
- 3
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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£164k
+15% from £143k
Cash at bank
£64.0k
+86% from £34.3k
Employees (average)
16
+33% from 12
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
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 08962007. 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
Watford Smiles’s history from the FCA register and Companies House, newest first.
2020
28 May 2020
- Became an appointed representative
FCA register
2019
19 December 2019
- Adrian Mullish stopped being a part-owner
- Hempstead Road Dental Care Pvt Ltd took control (75–100% of shares)
- Sharon Deborah Mullish stopped being a part-owner
Companies House
1 November 2019
- Board replaced: its only director left and 2 new directors took over
Companies House
2017
16 March 2017
- Adrian Mullish became a part-owner (25–50% of shares)
- Sharon Deborah Mullish became a part-owner (25–50% of shares)
Companies House
2014
27 March 2014
- Incorporated at Companies House
Companies House
In the full report: all 13 events
- All 13 events in its history (8 shown here)
- Every director appointment and resignation: 4
Firms like Watford Smiles
Other firms of the same type (credit broker), nearest first.
In the Watford (WD) postcode area
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 Watford Smiles
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
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 13 events in its history
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Frequently asked questions about this firm
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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