Bubble Financial Limited: FCA regulated?

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.

Appointed for 1 year
Protected through the principal
No FCA actions
Active company since 2025

Responsible principal firm

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
Bubble Financial Limited (FRN 1041333) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Bubble Financial's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Bubble Financial, 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

01543 399700
Address

Office 4 The Graduation Centre, Progress Drive, Cannock, Staffordshire, WS11 0JF, United Kingdom

In the full report: 2 background checks

What kind of line 01543 399700 is
Who else gives the postcode WS11 0JF

Other names (10)

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

Bubble Finance Hub Trading name: A name it trades under now.
Bubble Finance Hub Buckinghamshire Trading name: A name it trades under now.
Bubble Finance Hub Devon & Cornwall Trading name: A name it trades under now.
Bubble Finance Hub Leicestershire Trading name: A name it trades under now.
Bubble Finance Hub Northamptonshire Trading name: A name it trades under now.
Bubble Finance Hub Oxfordshire Trading name: A name it trades under now.
Bubble Finance Hub Staffordshire Trading name: A name it trades under now.
Bubble Finance Hub Warwickshire Trading name: A name it trades under now.
Bubble Finance Hub West Midlands Trading name: A name it trades under now.
Bubble Finance Hub West Yorkshire Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Stonebridge Mortgage Solutions 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: 16322650 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 18 March 2025 (1 year old)
Registered office: Office 4 The Graduation Centre, Progress Drive, Cannock, Staffordshire, WS11 0JF, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)
Other activities auxiliary to insurance and pension funding (SIC 66290)
Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nicholas Stephen Lamb	Director	Dec 1980	18 Mar 2025	14 other companies
Geraldine Jessie Williams	Director	Jul 1974	18 Mar 2025	1 other company

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 companies: 15
closed down: 5
went insolvent: 1

In the full report: all 15 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
The one that went into liquidation or administration
The one on the FCA register
All 3 people who have ever been directors, with their dates

Key dates in its history

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

Key events (5) All events (19)

2025

13 October 2025

Became an appointed representative

FCA register

18 March 2025

Incorporated at Companies House
Geraldine Jessie Williams became a part-owner (25–50% of shares)
Nicholas Stephen Lamb took control (25–50% of shares)
Simon Christopher Lamb became a part-owner (25–50% of shares)

Companies House

In the full report: all 19 events

All 19 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms connected to Bubble Financial

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

connected firms: 2
share a director: 1
share its postcode: 1

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same postcode (1)
Who links each one: the named directors, with dates

Firms like Bubble Financial

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

In Cannock

CFS Wills LtdCannockAppointed representative Delphic Financial Planning LimitedCannockAppointed representative Mark Andrew ChatterfieldCannockAppointed representative Michael David StevensonCannockAppointed representative Viking Financial Planning LtdCannockAppointed representative Independent Financial Advice BureauCannockAuthorised

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 Bubble Financial

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

15 other companies its directors have run, named
2 background checks on its contact details
All 19 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bubble Financial Limited FCA authorised?

Bubble Financial Limited (FRN 1041333) 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 Bubble Financial?

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. Bubble Financial Limited (FRN 1041333) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Bubble Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bubble Financial, 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 Bubble Financial’s phone number?

The FCA register lists the phone number 01543 399700 for Bubble Financial. If you were given different contact details, use these to check with the firm before going any further.

Is Bubble Financial a scam or clone?

Bubble Financial 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 Bubble Financial?

Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Bubble Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Bubble Financial?

Companies House lists 3 people with significant control of Bubble Financial: Mr Nicholas Stephen Lamb (25–50% of shares), Mrs Geraldine Jessie Williams (25–50% of shares) and Mr Simon Christopher Lamb (25–50% of shares).

Who runs Bubble Financial?

Companies House lists 2 directors of Bubble Financial: Nicholas Stephen Lamb and Geraldine Jessie Williams.

How long has Bubble Financial been in business?

The company was formed on 18 March 2025.

Does Bubble Financial use any other names?

It trades as Bubble Finance Hub, Bubble Finance Hub Buckinghamshire, Bubble Finance Hub Devon & Cornwall, Bubble Finance Hub Leicestershire and Bubble Finance Hub Northamptonshire, and 5 more names.