Bespoke Financial Protect Limited

Reference number: 976924

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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

First Complete Limited Reference number: 435779 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.
  • Bespoke Financial Protect Limited (FRN 976924) is an AR of First Complete Limited (FRN 435779). When you use Bespoke Financial Protect's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Bespoke Financial Protect, 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.

  • No website on the FCA register

  • Phone number

    07970 889583

  • Address

    5A Legion House, Beaufront Business Park, Anick Road, Hexham, NE46 4TU, England and Wales

In the full report: 2 background checks

  • What kind of line 07970 889583 is
  • Who else gives the postcode NE46 4TU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
13654720
Company status
Active
Company type
Private limited company
Incorporated
30 September 2021 (5 years old)
Registered office
C/O Debere Limited Swallow House, Parsons Road, Washington, Tyne And Wear, NE37 1EZ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Janice Whitmore Director Sep 1965 30 Sep 2021 1 other company
Callum Robert Snowdon Director Apr 2000 24 Apr 2024 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 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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 July 2025Full accountsNot audited

Net assets

£78.8k

No earlier figure to compare

Cash at bank

£36.2k

−29% from £51.2k

Owed within a year

£74.1k

+46% from £50.8k

Assets and liabilities

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 13654720. 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

Bespoke Financial Protect’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2024

12 November 2024

  • Callum Robert Snowdon became a part-owner (25–50% of shares)

Companies House

2022

7 June 2022

  • Became an appointed representative

FCA register

8 April 2022

  • Callum Robert Snowdon stopped being a part-owner

Companies House

2021

30 September 2021

  • Incorporated at Companies House
  • Callum Robert Snowdon became a part-owner (25–50% of shares)
  • Janice Whitmore became the majority owner (50–75% 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: 4
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Firms like Bespoke Financial Protect

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

In Hexham

C A Reed & C L BowmanHexhamAppointed representativeMr Philip Straker and Mrs Charlotte StrakerHexhamAppointed representativeFentimans LimitedHexhamAppointed representativeSM Building Surveyors LtdHexhamAppointed 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 Bespoke Financial Protect

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
  • All 10 events in its history

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Frequently asked questions about this firm

Is Bespoke Financial Protect Limited FCA authorised?
Bespoke Financial Protect Limited (FRN 976924) 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 Bespoke Financial Protect?
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. Bespoke Financial Protect Limited (FRN 976924) is an AR of First Complete Limited (FRN 435779). When you use Bespoke Financial Protect's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bespoke Financial Protect, 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 Bespoke Financial Protect’s phone number?
The FCA register lists the phone number 07970 889583 for Bespoke Financial Protect. If you were given different contact details, use these to check with the firm before going any further.
Is Bespoke Financial Protect a scam or clone?
Bespoke Financial Protect 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 Bespoke Financial Protect?
Protection works through First Complete Limited, the principal firm responsible for Bespoke Financial Protect's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bespoke Financial Protect?
Companies House lists 2 people with significant control of Bespoke Financial Protect: Miss Janice Whitmore (50–75% of shares) and Mr Callum Robert Snowdon (25–50% of shares).
Who runs Bespoke Financial Protect?
Companies House lists 2 directors of Bespoke Financial Protect: Janice Whitmore and Callum Robert Snowdon.
How long has Bespoke Financial Protect been in business?
The company was formed on 30 September 2021.
What do Bespoke Financial Protect’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £78.8k (no earlier figure to compare) and cash at bank of £36.2k (−29% from £51.2k).

Sources and links

The full report on Bespoke Financial Protect Limited

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