Bankstone Limited

Reference number: 313985

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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.

In the full report: 3 background checks

  • When bankstone.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 202 0650 is
  • Who else gives the postcode HX7 7BY
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Other names (4)

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

  • Call Nessie Trading name
  • Covered Trading name
  • We Are Covered Trading name
  • Bankstone Advantage Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Claims management No FSCS cover
    Money you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
  • Advice, investigation or representation in relation to a personal injury claim
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments
  • Seeking out, referrals and identification of claims or potential claims (personal injury claim; financial services or financial product claim; housing disrepair claim; claim for a specified benefit; criminal injury claim; employment related claim)

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
05193549
Company status
Active
Company type
Private limited company
Incorporated
30 July 2004 (22 years old)
Registered office
167 Turners Hill, Cheshunt, Waltham Cross, EN8 9BH, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Dickon Clive Tysoe Director Apr 1963 30 Jul 2004 6 other companies
Michael James Daly Director May 1955 20 Nov 2025 None

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
5
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 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 October 2025Abridged accountsNot audited

Net assets

−£10.1k

−188% from £11.5k

Cash at bank

£21.1k

No earlier figure to compare

Employees (average)

1

Same as 1

Net assets are negative: on its last balance sheet the company owed £10.1k more than it owned.

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
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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 05193549. 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

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

Key events (17) All events (32)

2025

20 November 2025

  • Dickon Clive Tysoe gave up control
  • Universal Holdings (Guernsey) Ltd took control (75–100% of shares)

Companies House

2021

1 July 2021

  • Tsg Complete Claim Services stopped being the majority owner

Companies House

30 June 2021

  • Rachel Leonie Stow no longer has significant control

Companies House

2019

12 April 2019

  • Rachel Leonie Stow gained significant control
  • Rachel Stow gained significant control
  • Rachel Stow no longer has significant control

Companies House

2 April 2019

  • Thorneycroft Solicitors Limited stopped being the majority owner
  • Tsg Complete Claim Services became the majority owner (50–75% of shares)

Companies House

31 March 2019

  • No longer regulated by the Claims Management Regulator

FCA register

2016

6 April 2016

  • Dickon Clive Tysoe took control (75–100% of shares)
  • Thorneycroft Solicitors Limited became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

20 March 2007

  • Regulated by the Claims Management Regulator from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2004

30 July 2004

  • Incorporated at Companies House

Companies House

In the full report: all 32 events

  • All 32 events in its history (17 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Bankstone

Other FCA-listed firms that share a director, phone number or address with Bankstone. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2
past link
1

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Bankstone

Other firms of the same type (insurance broker), nearest first.

In Hebden Bridge

Paul RiggHebden BridgeAuthorised

In the Halifax (HX) postcode area

ifaPROSURE LimitedHalifaxAuthorisedIndependent Health Care Solutions LimitedHalifaxAuthorisedLockside Five7 LimitedSowerby BridgeAuthorisedXenia Broking LimitedHalifaxAuthorisedBarerock LimitedHalifaxAppointed 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 Bankstone

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 32 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bankstone Limited FCA authorised?
Yes, Bankstone Limited (FRN 313985) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Bankstone’s phone number and website?
The FCA register lists the phone number 0330 202 0650 and the website bankstone.co.uk for Bankstone. If you were given different contact details, use these to check with the firm before going any further.
Is Bankstone a scam or clone?
Bankstone 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 Bankstone?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Bankstone to the Financial Ombudsman Service, free of charge.
Who owns Bankstone?
Bankstone is owned by Universal Holdings (Guernsey) Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 20 November 2025. Before that, it was controlled by Miss Rachel Leonie Stow, Mr Dickon Clive Tysoe and Thorneycroft Solicitors Limited.
Who runs Bankstone?
Companies House lists 2 directors of Bankstone: Dickon Clive Tysoe and Michael James Daly.
How long has Bankstone been in business?
The company was formed on 30 July 2004, and has held its current FCA authorisation since January 2005.
What do Bankstone’s latest accounts show?
Its latest accounts, to 30 October 2025, show net assets of −£10.1k (−188% from £11.5k) and cash at bank of £21.1k (no earlier figure to compare).
Does Bankstone use any other names?
It trades as Call Nessie, Covered and We Are Covered. It has previously used the name Bankstone Advantage.

Sources and links

The full report on Bankstone Limited

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