Business Debt Advice Limited

Reference number: 708616

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No longer authorised

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Authorisation ended 18 March 2016.

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.

  • Last known website

    focusadvisory.co.uk

  • Last known phone number

    01257 257030

  • Last known address

    Skull House Lane, Appley Bridge, Wigan, Lancashire, WN6 9DW, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

  • When focusadvisory.co.uk first appeared online, and whether it can receive email
  • What kind of line 01257 257030 is
  • Who else gives the postcode WN6 9DW
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Other names (4)

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

  • Focus Debt Advisory Trading name
  • Phil Stone Consultancy Limited Former name
  • BuddyDebt Former trading name
  • Focus Business Advisory Former trading name

Past FCA permissions and consumer protection

  • The record is closed
    Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
07914355
Company status
Active
Company type
Private limited company
Incorporated
18 January 2012 (14 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Anthony Benjamin Fisher Director May 1972 18 Jan 2012 5 other companies

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
5
closed down
2
still active
3

In the full report: all 5 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Full accountsNot audited

Total equity

−£52.8k

Down £1,100 from −£51.7k

Cash at bank

£115

Down £520 from £635

Employees (average)

0

Same as 0

Owed within a year

£53.1k

No earlier figure to compare

Total equity is negative: on its last balance sheet the company owed £52.8k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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.

Accounts filed at Companies House for company 07914355. 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

Business Debt Advice’s history from the FCA register and Companies House, newest first.

Key events (5) All events (17)

2016

10 October 2016

  • Changed its registered name from "Phil Stone Consultancy Limited"

FCA register

1 July 2016

  • Anthony Benjamin Fisher gained significant control

Companies House

18 March 2016

  • Regulated by the FCA from this date
  • Stopped being authorised by the FCA

FCA register

2012

18 January 2012

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Business Debt Advice

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

In Wigan

Ben MillerWiganAuthorisedHaynes & Haynes Commercial Finance LimitedWiganAuthorisedMichael Derrick IngramWiganAuthorisedS J & P BrehenyWiganAuthorisedSjvanworxWiganAuthorisedElevate Your Finance LimitedWiganAppointed 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 Business Debt Advice

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Business Debt Advice Limited FCA authorised?
No. Business Debt Advice Limited (FRN 708616) is still listed on the FCA register, but the record is closed: no longer authorised.
Is Business Debt Advice a scam or clone?
Business Debt Advice is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.
Is my money safe with Business Debt Advice?
Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with Business Debt Advice has no cover, because it is no longer permitted to carry it out.
Who owns Business Debt Advice?
Companies House lists one person with significant control of Business Debt Advice: Mr Anthony Benjamin Fisher (significant influence or control).
Who runs Business Debt Advice?
Companies House lists one director of Business Debt Advice: Anthony Benjamin Fisher.
How long has Business Debt Advice been in business?
The company was formed on 18 January 2012.
What do Business Debt Advice’s latest accounts show?
Its latest accounts, to 31 January 2026, show total equity of −£52.8k (down £1,100 from −£51.7k) and cash at bank of £115 (down £520 from £635).
Does Business Debt Advice use any other names?
It trades as Focus Debt Advisory. It has previously used 3 other names: Phil Stone Consultancy Limited, BuddyDebt and Focus Business Advisory.

Sources and links

The full report on Business Debt Advice Limited

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