Bibby Financial Services (UK) Limited

Reference number: 721483

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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 bibbyfinancialservices.com first appeared online, and whether it can receive email
  • What kind of line 01295 661900 is, and the 15 other firms that give it
  • Who else gives the postcode OX17 3NS
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
09341390
Company status
Active
Company type
Private limited company
Incorporated
4 December 2014 (11 years old)
Registered office
3rd Floor Walker House, Exchange Flags, Liverpool, L2 3YL, United Kingdom
Nature of business
  • Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Downing Director Jul 1958 4 Dec 2014 39 other companies
Ian Stuart Ramsden Director Apr 1970 3 Aug 2018 37 other companies
Theovinder Singh Chatha Director Dec 1980 23 Sep 2019 53 other companies
Richard Olver Director Oct 1965 1 Jan 2021 None
Derek Francis Ryan Director Jun 1970 13 Sep 2021 5 other companies
BIBBY BROS. & CO. (MANAGEMENT) LIMITED Corporate secretary Not published 4 Dec 2014 –

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
65
closed down
19
are FCA-registered
19

In the full report: all 65 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 19 on the FCA register, including one no longer authorised
  • The 39 companies these 5 directors run together
  • All 22 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2020Full accountsAudited

Profit before tax

−£22.5m

No earlier figure to compare

Net assets

£50.6m

No earlier figure to compare

Employees (average)

203

No earlier figure to compare

Owed within a year

£69.1m

No earlier figure to compare

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 09341390. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (3) All events (50)

2016

24 November 2016

  • Registered with the FCA

FCA register

6 April 2016

  • Bibby FS (Holdings) Limited took control (75–100% of shares)

Companies House

2014

4 December 2014

  • Incorporated at Companies House

Companies House

In the full report: all 50 events

  • All 50 events in its history (3 shown here)
  • Every director appointment and resignation: 47
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Firms connected to Bibby Financial Services (UK)

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

connected firms
12
share a director
12
share its phone number
11

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (11), the same postcode (11)
  • Who links each one: the named directors, with dates
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Get the full report on Bibby Financial Services (UK)

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

  • 65 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 50 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bibby Financial Services (UK) Limited FCA authorised?
Bibby Financial Services (UK) Limited (FRN 721483) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Bibby Financial Services (UK)’s phone number and website?
The FCA register lists the phone number 01295 661900 and the website bibbyfinancialservices.com for Bibby Financial Services (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 15 other FCA firms.
Is Bibby Financial Services (UK) a scam or clone?
Bibby Financial Services (UK) is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Bibby Financial Services (UK)?
Money you hand to Bibby Financial Services (UK) is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Bibby Financial Services (UK)?
Bibby Financial Services (UK) is owned by Bibby FS (Holdings) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Bibby Financial Services (UK)?
Companies House lists 5 directors of Bibby Financial Services (UK): Ian Downing, Ian Stuart Ramsden, Theovinder Singh Chatha, Richard Olver and Derek Francis Ryan.
How long has Bibby Financial Services (UK) been in business?
The company was formed on 4 December 2014.
What do Bibby Financial Services (UK)’s latest accounts show?
Its latest accounts, to 31 December 2020, show profit before tax of −£22.5m (no earlier figure to compare) and net assets of £50.6m (no earlier figure to compare).

Sources and links

The full report on Bibby Financial Services (UK) Limited

£19.99 · Instant PDF download

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