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 10 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 31 March 2026
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- XL Finance Ltd (FRN 753355) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use XL Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from XL 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.
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No website on the FCA register
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Phone number
-
Address
19 Riland Avenue, Off Riland Road, Sutton Coldfield, West Midlands, B75 7AG, United Kingdom
In the full report: 2 background checks
- What kind of line 07753 748780 is
- Who else gives the postcode B75 7AG
Other names (1)
If you were contacted under any of these names, it is this firm.
- Financial Planning Care Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch 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, freeYou 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
- 10266345 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 July 2016 (10 years old)
- Registered office
- 19 Riland Avenue Off Riland Road, Sutton Coldfield, West Midlands, B75 7AG, United Kingdom
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rebecca Louise Davidson | Director | Jul 1980 | 7 Jul 2016 | 1 other company |
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 company
- 1
- closed down
- 1
In the full report: all 1 company, 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
Filed accounts and finances
Total equity
£21.1k
+280% from £5,552
Cash at bank
£35.3k
+56% from £22.6k
Owed within a year
£23.0k
+6.2% from £21.6k
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.
Accounts filed at Companies House for company 10266345. 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
XL Finance’s history from the FCA register and Companies House, newest first.
2018
1 April 2018
- John Alexander Davidson became a part-owner (25–50% of shares)
Companies House
2016
18 August 2016
- Began trading as "Financial Planning Care"
FCA register
20 July 2016
- Became an appointed representative
FCA register
7 July 2016
- Incorporated at Companies House
- Rebecca Louise Davidson became the majority owner (50–75% of shares)
- Rebecca Louise Davidson appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like XL Finance
Other firms of the same type (insurance broker), nearest first.
In Sutton Coldfield
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 XL Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 6 events in its history
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Frequently asked questions about this firm
Is XL Finance Ltd FCA authorised?
What does appointed representative mean for XL Finance?
What is XL Finance’s phone number?
Is XL Finance a scam or clone?
Is my money safe with XL Finance?
Who owns XL Finance?
Who runs XL Finance?
How long has XL Finance been in business?
What do XL Finance’s latest accounts show?
Does XL Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk