Winwell Financial Consultancy Ltd

Reference number: 783990

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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.

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.
  • Winwell Financial Consultancy Ltd (FRN 783990) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Winwell Financial Consultancy's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Winwell Financial Consultancy, 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.

In the full report: 3 background checks

  • When winwellfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8037 7337 is
  • Who else gives the postcode N21 1BD
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 status
Active
Company type
Private limited company
Incorporated
5 June 2017 (9 years old)
Registered office
7 Wades Hill, Winchmore Hill, London, N21 1BD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Zihni Osman Director Jun 1982 5 Jun 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£27.9k

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£36.4k

+306% from £8,958

Total equity

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 10802483. 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

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

2017

11 July 2017

  • Became an appointed representative

FCA register

7 June 2017

  • Zihni Osman took control (75–100% of shares)

Companies House

5 June 2017

  • Incorporated at Companies House
  • Zihni Osman appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Winwell Financial Consultancy

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

In London

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 Winwell Financial Consultancy

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is Winwell Financial Consultancy Ltd FCA authorised?
Winwell Financial Consultancy Ltd (FRN 783990) 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 Winwell Financial Consultancy?
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. Winwell Financial Consultancy Ltd (FRN 783990) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Winwell Financial Consultancy's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Winwell Financial Consultancy, 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 Winwell Financial Consultancy’s phone number and website?
The FCA register lists the phone number 020 8037 7337 and the website winwellfinancial.co.uk for Winwell Financial Consultancy. If you were given different contact details, use these to check with the firm before going any further.
Is Winwell Financial Consultancy a scam or clone?
Winwell Financial Consultancy 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 Winwell Financial Consultancy?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Winwell Financial Consultancy's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Winwell Financial Consultancy?
Companies House lists one person with significant control of Winwell Financial Consultancy: Mr Zihni Osman (75–100% of shares).
Who runs Winwell Financial Consultancy?
Companies House lists one director of Winwell Financial Consultancy: Zihni Osman.
How long has Winwell Financial Consultancy been in business?
The company was formed on 5 June 2017.
What do Winwell Financial Consultancy’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £27.9k (no earlier figure to compare).

Sources and links

The full report on Winwell Financial Consultancy Ltd

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