Bedfordshire Referrals Limited

Reference number: 994295

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Networking & Business Referrals Limited Reference number: 678578 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • BEDFORDSHIRE REFERRALS LIMITED (FRN 994295) introduces customers to Networking & Business Referrals Limited (FRN 678578). Any regulated advice or arranging is done by the principal, not BEDFORDSHIRE REFERRALS.
  • Example: if BEDFORDSHIRE REFERRALS refers you to a financial adviser, the advice should come from the principal firm, not from BEDFORDSHIRE REFERRALS itself.
  • 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 bnireferral.co.uk first appeared online, and whether it can receive email
  • What kind of line 07787 113333 is
  • Who else gives the postcode LU1 2BJ
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Other names (1)

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

  • BNI Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Networking & Business Referrals 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
13729587
Company status
Active
Company type
Private limited company
Incorporated
8 November 2021 (4 years old)
Registered office
11 George Street West, Luton, LU1 2BJ, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)
  • Activities of other membership organisations not elsewhere classified (SIC 94990)

Directors and company secretaries

Name Role Born Appointed Other companies
Kathryn Angela Saggers Director Aug 1978 8 Nov 2021 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

£7,924

+149% from £3,181

Employees (average)

0

Same as 0

Owed within a year

£20.1k

+32% from £15.2k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13729587. 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

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

Key events (6) All events (10)

2026

11 February 2026

  • Martin Ridewood stopped being a part-owner
  • Stagehouse Limited became a part-owner (25–50% of shares)

Companies House

2023

2 April 2023

  • Became an introducer appointed representative

FCA register

2021

8 November 2021

  • Incorporated at Companies House
  • Kathryn Angela Saggers became a part-owner (25–50% of shares)
  • Martin Ridewood became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Bedfordshire Referrals

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

connected firms
2
share its postcode
2

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
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Firms like Bedfordshire Referrals

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

In Luton

Hairoun Business SolutionsLutonAppointed representativeKHM Education LTDLutonAppointed representativeSanjiv Jagsi & Amar JagsiLutonAppointed representativeAesthetics Central LimitedLutonAppointed representativeLuton V.e. LimitedLutonAppointed representativePearson Caravans LimitedLutonAppointed 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 Bedfordshire Referrals

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
  • 4 years of accounts, charted
  • All 10 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bedfordshire Referrals Limited FCA authorised?
Bedfordshire Referrals Limited (FRN 994295) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Bedfordshire Referrals?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Bedfordshire Referrals Limited (FRN 994295) introduces customers to Networking & Business Referrals Limited (FRN 678578). Any regulated advice or arranging is done by the principal, not Bedfordshire Referrals. Example: if Bedfordshire Referrals refers you to a financial adviser, the advice should come from the principal firm, not from Bedfordshire Referrals itself. 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 Bedfordshire Referrals’ phone number and website?
The FCA register lists the phone number 07787 113333 and the website bnireferral.co.uk for Bedfordshire Referrals. If you were given different contact details, use these to check with the firm before going any further.
Is Bedfordshire Referrals a scam or clone?
Bedfordshire Referrals 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 Bedfordshire Referrals?
Protection works through Networking & Business Referrals Limited, the principal firm responsible for Bedfordshire Referrals's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bedfordshire Referrals?
Companies House lists 2 people with significant control of Bedfordshire Referrals: Stagehouse Limited (25–50% of shares) and Mrs Kathryn Angela Saggers (25–50% of shares). Before that, it was controlled by Mr Martin Ridewood.
Who runs Bedfordshire Referrals?
Companies House lists one director of Bedfordshire Referrals: Kathryn Angela Saggers.
How long has Bedfordshire Referrals been in business?
The company was formed on 8 November 2021.
What do Bedfordshire Referrals’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £7,924 (+149% from £3,181).
Does Bedfordshire Referrals use any other names?
It trades as BNI.

Sources and links

The full report on Bedfordshire Referrals Limited

£19.99 · Instant PDF download

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