BDB (UK) Limited

Reference number: 591369

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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

BDB Limited Reference number: 308229 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.
  • BDB (UK) Limited (FRN 591369) is an AR of BDB Limited (FRN 308229). When you use BDB (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from BDB (UK), 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, 1 thing worth a closer look

  • When bdbukltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3906 6200 is, and the 2 other firms that give it
  • Whether EC3A 2BJ is a shared office: 49 other firms give it
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through BDB 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
08146123
Company status
Active
Company type
Private limited company
Incorporated
17 July 2012 (14 years old)
Registered office
C/O Pkf Littlejohn Llp 30 Churchill Place, Canary Wharf, London, E14 5RE, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Joseph Toye Director Dec 1965 17 Jul 2012 None
Peter Eric Goff Director Mar 1968 17 Jul 2012 10 other companies
Matthew Edward Kendall Director Sep 1972 17 Jul 2012 None
Silvestro De Besi Director Sep 1959 17 Jul 2012 13 other companies
Kristian Peter Thompson Director Dec 1977 27 Apr 2026 None

Other companies run by these 5 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
14
closed down
6
are FCA-registered
4

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register
  • The 9 companies these 5 directors run together
  • All 7 people who have ever been directors, with their dates
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Key dates in its history

Bdb (UK)’s history from the FCA register and Companies House, newest first.

Key events (6) All events (15)

2022

1 August 2022

  • Brown & Brown (Europe) Holdco Limited took control (75–100% of shares)
  • Stephen Joseph Toye stopped being a part-owner

Companies House

2016

6 April 2016

  • Bdb Holdings Limited became the majority owner (50–75% of shares)
  • Stephen Joseph Toye became a part-owner (25–50% of shares)

Companies House

2012

15 November 2012

  • Became an appointed representative

FCA register

17 July 2012

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Bdb (UK)

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

connected firms
4
share a director
4
share its phone number
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Bdb (UK)

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

In London

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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 Bdb (UK)

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 15 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is BDB (UK) Limited FCA authorised?
BDB (UK) Limited (FRN 591369) 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 Bdb (UK)?
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. BDB (UK) Limited (FRN 591369) is an AR of BDB Limited (FRN 308229). When you use Bdb (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bdb (UK), 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 Bdb (UK)’s phone number and website?
The FCA register lists the phone number 020 3906 6200 and the website bdbukltd.co.uk for Bdb (UK). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Bdb (UK) a scam or clone?
Bdb (UK) 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 Bdb (UK)?
Protection works through BDB Limited, the principal firm responsible for Bdb (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bdb (UK)?
Bdb (UK) is owned by Brown & Brown (Europe) Holdco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 August 2022. Before that, it was controlled by Mr Stephen Joseph Toye.
Who runs Bdb (UK)?
Companies House lists 5 directors of Bdb (UK): Stephen Joseph Toye, Peter Eric Goff, Matthew Edward Kendall, Silvestro De Besi and Kristian Peter Thompson.
How long has Bdb (UK) been in business?
The company was formed on 17 July 2012.

Sources and links

The full report on BDB (UK) Limited

£19.99 · Instant PDF download

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