Well Financial Limited

Reference number: 994623

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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

The Right Mortgage Limited Reference number: 649443 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.
  • Well Financial Limited (FRN 994623) is an AR of The Right Mortgage Limited (FRN 649443). When you use Well Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Well Financial, 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

    01206 326161

  • Address

    Unit 15E, Field House, Business Park Airfield, Earls Colne, Colchester, Essex, CO6 2NS, United Kingdom

In the full report: 2 background checks

  • What kind of line 01206 326161 is
  • Who else gives the postcode CO6 2NS
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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 number
14517142
Company status
Active
Company type
Private limited company
Incorporated
30 November 2022 (3 years old)
Registered office
Unit 15e Field House, Lancaster Way Business Park Airfield, Earls Colne, Colchester, CO6 2NS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel James Dawes Director Apr 1983 30 Nov 2022 2 other companies
Christopher Guy Harland Director May 1975 30 Nov 2022 3 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
still active
4
run together
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 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£44.1k

Up £46.4k from −£2,355

Employees (average)

2

−33% from 3

Owed within a year

£78.7k

+53% from £51.4k

Assets and liabilities

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 14517142. 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

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

Key events (6) All events (10)

2025

1 January 2025

  • Mathew George James Wooderson stopped being a part-owner

Companies House

2023

11 April 2023

  • Became an appointed representative

FCA register

2022

30 November 2022

  • Incorporated at Companies House
  • Driem Ltd became a part-owner (25–50% of shares)
  • Huto Trading Ltd became a part-owner (25–50% of shares)
  • Mathew George James Wooderson became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Well Financial

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Well Financial

Other firms of the same type (insurance broker), nearest first.

In Colchester

Acorn Mortgage Services (Essex) LimitedColchesterAppointed representativeAmeriCover LimitedColchesterAppointed representativeAppointed Representative 1 LimitedColchesterAppointed representativeArma Karma LimitedColchesterAppointed representativeAssociation of Translation Companies LimitedColchesterAppointed representativeAssured Funding LtdColchesterAppointed 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 Well Financial

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
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Well Financial Limited FCA authorised?
Well Financial Limited (FRN 994623) 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 Well Financial?
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. Well Financial Limited (FRN 994623) is an AR of The Right Mortgage Limited (FRN 649443). When you use Well Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Well Financial, 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 Well Financial’s phone number?
The FCA register lists the phone number 01206 326161 for Well Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Well Financial a scam or clone?
Well Financial 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 Well Financial?
Protection works through The Right Mortgage Limited, the principal firm responsible for Well Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Well Financial?
Companies House lists 2 people with significant control of Well Financial: Huto Trading Ltd (25–50% of shares) and Driem Ltd (25–50% of shares). Before that, it was controlled by Mr Mathew George James Wooderson.
Who runs Well Financial?
Companies House lists 2 directors of Well Financial: Daniel James Dawes and Christopher Guy Harland.
How long has Well Financial been in business?
The company was formed on 30 November 2022.
What do Well Financial’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £44.1k (up £46.4k from −£2,355).

Sources and links

The full report on Well Financial Limited

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