Whitewater Finance Limited: 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 under a year
Protected through the principal
No FCA actions
Active company since 2003
Accounts filed up to 31 March 2026

Responsible principal firm

Dealer Net Finance Limited Reference number: 660336 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.
Whitewater Finance Limited (FRN 1055862) is an AR of Dealer Net Finance Limited (FRN 660336). When you use Whitewater Finance's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Whitewater 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.

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

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

01278 448901
Address

Tall Trees, 12 Froud close, Hook, Hampshire, RG27 9NE, United Kingdom

In the full report: 3 background checks

When whitewaterfinance.co.uk first appeared online, and whether it can receive email
What kind of line 01278 448901 is
Who else gives the postcode RG27 9NE

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Dealer Net Finance 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: 04921447 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 October 2003 (23 years old)
Registered office: Tall Trees 12 Frouds Close, Hook, Hampshire, RG27 9NE
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Philippe Richard Allison	Director	Feb 1954	3 Oct 2003	4 other companies
Luke Philippe Allison	Director	Sep 1986	15 Jul 2013	2 other companies
Susan Allison	Director	Oct 1955	6 Oct 2017	None
Susan Allison	Secretary	Not published	3 Oct 2003	–

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: 5
closed down: 1
is FCA-registered: 1

In the full report: all 5 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 1 company these 3 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Total equity

£2,863

−7.7% from £3,103

Cash at bank

£14.7k

−18% from £18.0k

Employees (average)

3

Same as 3

Owed within a year

£25.2k

−22% from £32.1k

Assets and liabilities

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 04921447. 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

Whitewater Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (11)

2026

30 April 2026

Became an appointed representative

FCA register

2016

6 April 2016

Philippe Richard Allison gained significant control
Susan Allison became the majority owner (50–75% of shares)

Companies House

2003

3 October 2003

Incorporated at Companies House

Companies House

In the full report: all 11 events

All 11 events in its history (4 shown here)
Every director appointment and resignation: 7

Firms connected to Whitewater Finance

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Whitewater Finance

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

In Hampshire

Express Finance Loans LimitedHampshireAuthorised

In the Reading (RG) postcode area

Adapt Ability LimitedBracknellAppointed representative Ahmed AleshaikerReadingAppointed representative Aldridge, Cummings & MilesWokinghamAppointed representative Andrew McDonnell, Paramveer Singh Bhangu & Kirandeep Singh BhogalReadingAppointed representative Benjamin FarleyReadingAppointed 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 Whitewater Finance

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 11 events in its history

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Frequently asked questions about this firm

Is Whitewater Finance Limited FCA authorised?

Whitewater Finance Limited (FRN 1055862) 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 Whitewater Finance?

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. Whitewater Finance Limited (FRN 1055862) is an AR of Dealer Net Finance Limited (FRN 660336). When you use Whitewater Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Whitewater 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.

What is Whitewater Finance’s phone number and website?

The FCA register lists the phone number 01278 448901 and the website whitewaterfinance.co.uk for Whitewater Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Whitewater Finance a scam or clone?

Whitewater Finance 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 Whitewater Finance?

Protection works through Dealer Net Finance Limited, the principal firm responsible for Whitewater Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Whitewater Finance?

Companies House lists 2 people with significant control of Whitewater Finance: Mrs Susan Allison (50–75% of shares) and Mr Philippe Richard Allison (significant influence or control).

Who runs Whitewater Finance?

Companies House lists 3 directors of Whitewater Finance: Philippe Richard Allison, Luke Philippe Allison and Susan Allison.

How long has Whitewater Finance been in business?

The company was formed on 3 October 2003.

What do Whitewater Finance’s latest accounts show?

Its latest accounts, to 31 March 2026, show total equity of £2,863 (−7.7% from £3,103) and cash at bank of £14.7k (−18% from £18.0k).