Wisely Financial Services Limited

Reference number: 972289

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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

PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
  • WISELY FINANCIAL SERVICES LIMITED (FRN 972289) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use WISELY FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from WISELY FINANCIAL SERVICES, 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 getwisely.co.uk first appeared online, and whether it can receive email
  • What kind of line 023 8268 1111 is
  • Who else gives the postcode SO14 3TJ
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Other names (1)

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

  • Ensco 2022 Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pivotal Financial 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
13925303
Company status
Active
Company type
Private limited company
Incorporated
18 February 2022 (4 years old)
Registered office
Tagus House, 9 Ocean Way, Southampton, Hampshire, SO14 3TJ, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin Thomas Smith Director Jul 1989 18 Feb 2022 5 other companies

Other companies run by its director

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
still active
4

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 April 2025Full accountsNot audited

Total equity

£237k

+685% from £30.2k

Cash at bank

£57.9k

−41% from £98.7k

Employees (average)

1

Same as 1

Owed within a year

£70.7k

+3.2% from £68.5k

Total equity

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.

Accounts filed at Companies House for company 13925303. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2025

31 January 2025

  • Changed its registered name from "Ensco 2022 Limited"

FCA register

2022

17 March 2022

  • Became an appointed representative

FCA register

18 February 2022

  • Incorporated at Companies House
  • Benjamin Thomas Smith gained significant control
  • Benjamin Thomas Smith appointed as a director

Companies House

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

Firms like Wisely Financial Services

Other firms of the same type (mortgage adviser or broker), nearest first.

In Southampton

John Charcol Mortgages LtdSouthamptonAppointed representativeAcross the Market Mortgages LimitedSouthamptonAppointed representativeAlbion Forest LimitedSouthamptonAppointed representativeAnchor Financial Advisory LimitedSouthamptonAppointed representativeApple Tree Mortgage Services LtdSouthamptonAppointed representativeBlack Swan Financial Services LtdSouthamptonAppointed 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 Wisely Financial Services

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
  • All 5 events in its history

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Frequently asked questions about this firm

Is Wisely Financial Services Limited FCA authorised?
Wisely Financial Services Limited (FRN 972289) 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 Wisely Financial Services?
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. Wisely Financial Services Limited (FRN 972289) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Wisely Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Wisely Financial Services, 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 Wisely Financial Services’ phone number and website?
The FCA register lists the phone number 023 8268 1111 and the website getwisely.co.uk for Wisely Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Wisely Financial Services a scam or clone?
Wisely Financial Services 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 Wisely Financial Services?
Protection works through Pivotal Financial Limited, the principal firm responsible for Wisely Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Wisely Financial Services?
Companies House lists one person with significant control of Wisely Financial Services: Mr Benjamin Thomas Smith (significant influence or control).
Who runs Wisely Financial Services?
Companies House lists one director of Wisely Financial Services: Benjamin Thomas Smith.
How long has Wisely Financial Services been in business?
The company was formed on 18 February 2022.
What do Wisely Financial Services’ latest accounts show?
Its latest accounts, to 30 April 2025, show total equity of £237k (+685% from £30.2k) and cash at bank of £57.9k (−41% from £98.7k).
Does Wisely Financial Services use any other names?
It has previously used the name Ensco 2022 Limited.

Sources and links

The full report on Wisely Financial Services Limited

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