Willcox Financial Limited

Reference number: 187724

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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

Sense Network Limited Reference number: 465124 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.
  • Willcox Financial Limited (FRN 187724) is an AR of Sense Network Limited (FRN 465124). When you use Willcox Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Willcox 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

    01646 650004

  • Address

    25 Sageston Fields, Sageston, Tenby, SA70 8TQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01646 650004 is
  • Who else gives the postcode SA70 8TQ
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Other names (1)

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

  • Freedom Equity Release Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense Network 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
04170932
Company status
Active
Company type
Private limited company
Incorporated
1 March 2001 (25 years old)
Registered office
The Pinnacle, 25 Sageston Fields, Sageston, Tenby, Dyfed, SA70 8TQ
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Gregory Willcox Director Jul 1966 1 Mar 2001 2 other companies
Jill Elizabeth Willcox Director Feb 1972 22 Feb 2002 1 other company
INDIGO CORPORATE SECRETARY LIMITED Corporate secretary Not published 21 Nov 2025 –

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
2
still active
2
run together
1

In the full report: all 2 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

8 months to 20 November 2025Micro-entity accountsNot audited

Net assets

£43.7k

−39% from £71.4k

Employees (average)

4

Same as 4

Owed within a year

£45.6k

−1.1% from £46.1k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 04170932. 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

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

Key events (8) All events (11)

2025

21 November 2025

  • Jill Elizabeth Willcox stopped being a part-owner
  • Lwm Ar Holdco Limited took control (75–100% of votes)
  • Robert Gregory Willcox stopped being the majority owner

Companies House

2017

1 March 2017

  • Jill Elizabeth Willcox became a part-owner (25–50% of shares)
  • Robert Gregory Willcox became the majority owner (50–75% of shares)

Companies House

2015

7 January 2015

  • Changed its registered name from "Willcox Financial Limited"

FCA register

2001

1 March 2001

  • Incorporated at Companies House

Companies House

1998

29 January 1998

  • Became an appointed representative

FCA register

In the full report: all 11 events

  • All 11 events in its history (8 shown here)
  • Every director appointment and resignation: 2
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Firms like Willcox Financial

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

In the Swansea (SA) postcode area

All Business Solutions LimitedCardiganAppointed representativeAllistair ReynoldsLlanelliAppointed representativeAshley Kissick Financial Advisers LtdSwanseaAppointed representativeCosgrove Brown Financial Planning LtdSwanseaAppointed representativeDavid Gascoyne Financial Services LtdAppointed representativeDavid WilliamsHaverfordwestAppointed 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 Willcox Financial

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

  • 2 other companies its directors have run, named
  • 2 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 Willcox Financial Limited FCA authorised?
Willcox Financial Limited (FRN 187724) 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 Willcox 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. Willcox Financial Limited (FRN 187724) is an AR of Sense Network Limited (FRN 465124). When you use Willcox Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Willcox 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 Willcox Financial’s phone number?
The FCA register lists the phone number 01646 650004 for Willcox Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Willcox Financial a scam or clone?
Willcox 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 Willcox Financial?
Protection works through Sense Network Limited, the principal firm responsible for Willcox Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Willcox Financial?
Willcox Financial is owned by Lwm Ar Holdco Limited, which holds 75–100% of votes and can appoint and remove the board, since 21 November 2025. Before that, it was controlled by Mrs Jill Elizabeth Willcox and Mr Robert Gregory Willcox.
Who runs Willcox Financial?
Companies House lists 2 directors of Willcox Financial: Robert Gregory Willcox and Jill Elizabeth Willcox.
How long has Willcox Financial been in business?
The company was formed on 1 March 2001.
What do Willcox Financial’s latest accounts show?
Its latest accounts, to 20 November 2025, show net assets of £43.7k (−39% from £71.4k).
Does Willcox Financial use any other names?
It trades as Freedom Equity Release.

Sources and links

The full report on Willcox Financial Limited

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