Willows Finance Limited
Reference number: 670052
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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
Golden Mile Drive, Brocastle, Bridgend, Pen-y-bont ar Ogwr, CF35 5AS, United Kingdom
In the full report: 3 background checks
- When willowsfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 01656 766158 is
- Who else gives the postcode CF35 5AS
Other names (4)
If you were contacted under any of these names, it is this firm.
- Improve Finance Trading name: A name it trades under now.
- Inspire Money Trading name: A name it trades under now.
- mortgageadvisors.co.uk Trading name: A name it trades under now.
- www.mortgageadvisors.co.uk Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on regulated mortgage contracts
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Providing Credit Information Services
Limits on what they may do
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Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises
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
- 06678545 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 August 2008 (18 years old)
- Registered office
- Golden Mile Drive, Brocastle, Bridgend, Mid Glamorgan, CF35 5AS
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Henri Millan | Director | Dec 1975 | 21 Aug 2008 | 4 other companies |
| Ceri Gwyn Harris | Director | Dec 1985 | 1 May 2023 | 2 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
- 6
- closed down
- 3
- is FCA-registered
- 1
In the full report: all 6 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 one on the FCA register
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£140k
+246% from £40.3k
Employees (average)
5
+67% from 3
Owed within a year
£108k
−34% from £164k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- 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 06678545. 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
Willows Finance’s history from the FCA register and Companies House, newest first.
2025
10 November 2025
- Catherine Sarah Diane Harris stopped being a part-owner
Companies House
2024
1 October 2024
- Catherine Sarah Diane Harris became a part-owner (25–50% of shares)
Companies House
2023
5 August 2023
- Catherine Sarah Diane Harris stopped being a part-owner
- Ceri Gwyn Harris became a part-owner (25–50% of shares)
Companies House
2016
6 April 2016
- Catherine Sarah Diane Harris became a part-owner (25–50% of shares)
- James Henri Millan became a part-owner (25–50% of shares)
Companies House
2015
30 June 2015
- Regulated by the FCA from this date
- FCA imposed a requirement (Not permitted to canvass off trade premises)
- Became authorised by the FCA
FCA register
2008
21 August 2008
- Incorporated at Companies House
Companies House
In the full report: all 20 events
- All 20 events in its history (10 shown here)
- Every director appointment and resignation: 4
Firms connected to Willows Finance
Other FCA-listed firms that share a director, phone number or address with Willows 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 Willows Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bridgend
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 Willows Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 20 events in its history
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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
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk