Watts Commercial Finance Limited
Reference number: 1061961
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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.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 July 2024
Responsible principal firm
PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
- Watts Commercial Finance Limited (FRN 1061961) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Watts Commercial Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Watts Commercial 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.
This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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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Phone number
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Address
Unit 6, Alvaston Business Park, Middlewich Road, Nantwich, Cheshire East, CW5 6PF, United Kingdom
In the full report: 3 background checks
- When watts-commercial.co.uk first appeared online, and whether it can receive email
- What kind of line 01270 611000 is
- Who else gives the postcode CW5 6PF
Other names (1)
If you were contacted under any of these names, it is this firm.
- Watts Property Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Pivotal Financial 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
- 05075236 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 March 2004 (22 years old)
- Registered office
- 6 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Philip John Gray | Director | Nov 1971 | 3 Aug 2006 | 6 other companies |
| Jeremy Paul Gibson | Director | May 1973 | 23 Dec 2024 | 87 other companies |
| Mayank Prakash | Director | Jan 1973 | 21 Oct 2025 | 57 other companies |
Other companies run by these 3 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
- 98
- closed down
- 19
- went insolvent
- 1
In the full report: all 98 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 37 on the FCA register, including one no longer authorised
- The 52 companies these 3 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£572k
−22% from £730k
Cash at bank
£1.50m
−5.4% from £1.59m
Employees (average)
40
+8.1% from 37
Owed within a year
£1.19m
+7.1% from £1.11m
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2020 to 2024
- 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.
Accounts filed at Companies House for company 05075236. 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
Watts Commercial Finance’s history from the FCA register and Companies House, newest first.
2026
11 September 2026
- Became an appointed representative
FCA register
2024
23 December 2024
- Andrew Michael Watts stopped being a part-owner
- Philip John Gray stopped being a part-owner
- Pivotal Growth Limited took control (75–100% of shares)
Companies House
2016
6 April 2016
- Andrew Michael Watts became a part-owner (25–50% of shares)
- Philip John Gray became a part-owner (25–50% of shares)
Companies House
2004
16 March 2004
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (7 shown here)
- Every director appointment and resignation: 7
Firms connected to Watts Commercial Finance
Other FCA-listed firms that share a director, phone number or address with Watts Commercial Finance. 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 Watts Commercial Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Nantwich
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 Watts Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 98 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 15 events in its history
- 2 connected firms, named, and who links them
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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