BSY Limited

Reference number: 702907

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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 bsygroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 01409 220414 is
  • Who else gives the postcode EX22 7YT
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FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
02845821
Company status
Active
Company type
Private limited company
Incorporated
18 August 1993 (33 years old)
Registered office
Oakwood, Dunsland Cross, Holsworthy, Devon, EX22 7YT
Nature of business
  • Other education not elsewhere classified (SIC 85590)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Paul Webb Director Feb 1967 16 Aug 2024 20 other companies
Stephanie Jane Smith Secretary Not published 16 Aug 2024 –

Other companies run by its director

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
20
closed down
2
still active
18

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£15.8k

−58% from £37.8k

Employees (average)

17

−5.6% from 18

Owed within a year

£597k

+20% from £498k

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 02845821. 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

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

Key events (9) All events (20)

2024

16 August 2024

  • Board replaced: both directors left and a new director took over
  • Nathalie Laniado stopped being a part-owner
  • Philip Paul Laniado stopped being a part-owner

Companies House

2023

4 September 2023

  • Nathalie Laniado became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Bsy Group Limited took control (75–100% of shares)
  • Philip Paul Laniado became a part-owner (25–50% of shares)

Companies House

2015

29 October 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

1993

18 August 1993

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 9
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Firms like Bsy

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

In Holsworthy

H J Wickett & COHolsworthyAuthorisedHarper's Home Mix LimitedHolsworthyAuthorised

In the Exeter (EX) postcode area

Exeter CollegeExeterAuthorisedFinancial Solutions Group LimitedExeterAuthorisedMed-Ex Financial Advisory Services LimitedCullomptonAuthorisedstephen adam mooreExeterAuthorised

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 Bsy

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

  • 20 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is BSY Limited FCA authorised?
Yes, BSY Limited (FRN 702907) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Bsy’s phone number and website?
The FCA register lists the phone number 01409 220414 and the website bsygroup.co.uk for Bsy. If you were given different contact details, use these to check with the firm before going any further.
Is Bsy a scam or clone?
Bsy 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 Bsy?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Bsy handles your money, so check the specific product before you commit. You can also refer complaints about Bsy to the Financial Ombudsman Service, free of charge.
Who owns Bsy?
Bsy is owned by Bsy Group Limited, which holds 75–100% of shares, since 6 April 2016. Before that, it was controlled by Mrs Nathalie Laniado and Mr Philip Paul Laniado.
Who runs Bsy?
Companies House lists one director of Bsy: Andrew Paul Webb.
How long has Bsy been in business?
The company was formed on 18 August 1993, and has held its current FCA authorisation since October 2015.
What do Bsy’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £15.8k (−58% from £37.8k).

Sources and links

The full report on BSY Limited

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