Watson & Company (Bristol) Ltd: FCA regulated?

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 12 years
Protected through the principal
No FCA actions
Active company since 2014
Accounts filed up to 31 March 2026

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.
Watson & Company (Bristol) Ltd (FRN 622950) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Watson & Company (Bristol)'s services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Watson & Company (Bristol), 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.

Website

watsonandcompany.co.uk (opens in a new tab)
Phone number

0117 332 0140
Address

92 Whiteladies Road, Clifton, Bristol, BS8 2QN, United Kingdom

In the full report: 3 background checks

When watsonandcompany.co.uk first appeared online, and whether it can receive email
What kind of line 0117 332 0140 is
Who else gives the postcode BS8 2QN

Other names (1)

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

Watson & Co Trading name: A name it trades under now.

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: WATSON & COMPANY (BRISTOL) LIMITED
Company number: 08945184 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 18 March 2014 (12 years old)
Registered office: Watson & Co 92 Whiteladies Road, Clifton, Bristol, BS8 2QN, United Kingdom
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Natalie Elizabeth Watson	Director	Oct 1975	18 Mar 2014	2 other companies
Mark Daniel Watson	Director	Oct 1978	26 Mar 2014	5 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: 5
closed down: 2
run together: 2

In the full report: all 5 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 2 companies these 2 directors run together

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1.45m

−3.8% from £1.50m

Cash at bank

£733k

−7.9% from £797k

Employees (average)

8

Same as 8

Owed within a year

£92.6k

−20% from £116k

Net assets

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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 08945184. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Watson & Company (Bristol)’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2016

6 April 2016

Mark Daniel Watson became a part-owner (25–50% of shares)
Natalie Elizabeth Watson became a part-owner (25–50% of shares)

Companies House

2014

8 May 2014

Became an appointed representative

FCA register

18 March 2014

Incorporated at Companies House

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms connected to Watson & Company (Bristol)

Other FCA-listed firms that share a director, phone number or address with Watson & Company (Bristol). 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

Firms like Watson & Company (Bristol)

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

In Clifton

Clifton Wealth Management LtdCliftonAppointed representative Octagon Consultancy LtdCliftonAppointed representative

In the Bristol (BS) postcode area

Aisa Retirement Planning LLPBristolAppointed representative Alma Vale Wealth Management LimitedBristolAppointed representative Alton Wealth ManagementEaston-in-GordanoAppointed representative Andow Ellis LimitedBristolAppointed 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 Watson & Company (Bristol)

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

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

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Frequently asked questions about this firm

Is Watson & Company (Bristol) Ltd FCA authorised?

Watson & Company (Bristol) Ltd (FRN 622950) 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 Watson & Company (Bristol)?

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. Watson & Company (Bristol) Ltd (FRN 622950) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Watson & Company (Bristol)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Watson & Company (Bristol), 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 Watson & Company (Bristol)’s phone number and website?

The FCA register lists the phone number 0117 332 0140 and the website watsonandcompany.co.uk for Watson & Company (Bristol). If you were given different contact details, use these to check with the firm before going any further.

Is Watson & Company (Bristol) a scam or clone?

Watson & Company (Bristol) 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 Watson & Company (Bristol)?

Protection works through Quilter Financial Services Limited, the principal firm responsible for Watson & Company (Bristol)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Watson & Company (Bristol)?

Companies House lists 2 people with significant control of Watson & Company (Bristol): Mr Mark Daniel Watson (25–50% of shares) and Mrs Natalie Elizabeth Watson (25–50% of shares).

Who runs Watson & Company (Bristol)?

Companies House lists 2 directors of Watson & Company (Bristol): Natalie Elizabeth Watson and Mark Daniel Watson.

How long has Watson & Company (Bristol) been in business?

The company was formed on 18 March 2014.

What do Watson & Company (Bristol)’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £1.45m (−3.8% from £1.50m) and cash at bank of £733k (−7.9% from £797k).

Does Watson & Company (Bristol) use any other names?

It trades as Watson & Co.