Business & Personal Investment Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1999
Accounts filed up to 31 October 2025

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.

Website

bpinvestment.com (opens in a new tab)
Phone number

01494 442700
Address

BPI House, Bourne End Business Park, Cores End Road, Bourne End, Buckinghamshire, SL8 5AS, United Kingdom

In the full report: 3 background checks

When bpinvestment.com first appeared online, and whether it can receive email
What kind of line 01494 442700 is
Who else gives the postcode SL8 5AS

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages · Arrange equity release FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
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 (15 permissions)

Acting as a CBTL advisor
Advising on a home reversion plan
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising on Pension Transfers and Pension Opt Outs
Advising on regulated mortgage contracts
Arranging (bringing about) a home reversion plan
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to a home reversion plan
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Providing Credit Information Services

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: 03852280 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 1 October 1999 (27 years old)
Registered office: Bpi House Bourne End Business Park, Cores End Road, Bourne End, Buckinghamshire, SL8 5AS, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)
Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nigel Dennis Copperwheat	Director	Nov 1949	21 Mar 2000	2 other companies
Peter John Fulcher	Director	Oct 1963	5 Apr 2005	4 other companies
Mandy Jane Veal	Director	May 1967	7 Jan 2022	None
Suzan Kathryn Fulcher	Secretary	Not published	4 Oct 1999	–

Other companies run by these 3 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: 5
closed down: 3
run together: 1

In the full report: all 5 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 1 company these 3 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£396k

+21% from £327k

Cash at bank

£92.9k

+111% from £44.1k

Employees (average)

9

Same as 9

Owed within a year

£192k

+15% from £167k

No turnover or profit for the year to 31 October 2025: the accounts print them but do not tag them. The last tagged figures are £976k turnover and £411k profit, for the year to 31 October 2023.

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

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 03852280. 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 & Personal Investment’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2017

1 January 2017

Peter John Fulcher became the majority owner (50–75% of shares)
Suzan Fulcher became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

20 April 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1999

1 October 1999

Incorporated at Companies House

Companies House

In the full report: all 13 events

All 13 events in its history (6 shown here)
Every director appointment and resignation: 5

Firms like Business & Personal Investment

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

In Bourne End

Alex James Independent Financial Advisers LtdBourne EndAuthorised Everall Rolfe Associates LimitedBourne EndAuthorised Johnstone and Co Financial Services LimitedBourne EndAuthorised Tony Akram PartnershipBourne EndAppointed representative Yannick Le TouzeBourne EndAppointed 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 & Personal Investment

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
6 years of accounts, charted
All 13 events in its history

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Frequently asked questions about this firm

Is Business & Personal Investment Limited FCA authorised?

Yes, Business & Personal Investment Limited (FRN 425865) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2005 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Business & Personal Investment’s phone number and website?

The FCA register lists the phone number 01494 442700 and the website bpinvestment.com for Business & Personal Investment. If you were given different contact details, use these to check with the firm before going any further.

Is Business & Personal Investment a scam or clone?

Business & Personal Investment 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 Business & Personal Investment?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Business & Personal Investment to the Financial Ombudsman Service, free of charge.

Who owns Business & Personal Investment?

Companies House lists 2 people with significant control of Business & Personal Investment: Mr Peter John Fulcher (50–75% of shares) and Mrs Suzan Fulcher (25–50% of shares).

Who runs Business & Personal Investment?

Companies House lists 3 directors of Business & Personal Investment: Nigel Dennis Copperwheat, Peter John Fulcher and Mandy Jane Veal.

How long has Business & Personal Investment been in business?

The company was formed on 1 October 1999, and has held its current FCA authorisation since April 2005.

What do Business & Personal Investment’s latest accounts show?

Its latest accounts, to 31 October 2025, show net assets of £396k (+21% from £327k) and cash at bank of £92.9k (+111% from £44.1k).