Concept Apps Ltd: 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 2015

Responsible principal firm

Incorporate Insurance Services Limited Reference number: 309312 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.
Concept Apps Ltd (FRN 1033013) is an AR of Incorporate Insurance Services Limited (FRN 309312). When you use Concept Apps's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Concept Apps, 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.

Website

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

020 3100 6840
Address

Unit 1, Innovation Centre, Queens Road, Belfast, Northern Ireland, BT3 9DT, United Kingdom

In the full report: 3 background checks

When teamfeepay.com first appeared online, and whether it can receive email
What kind of line 020 3100 6840 is
Who else gives the postcode BT3 9DT

Other names (1)

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

TeamFeePay Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Incorporate Insurance Services 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: NI629473 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 18 February 2015 (11 years old)
Registered office: Unit 1 Innovation Centre, Catalyst, Queens Road, Belfast, BT3 9DT, Northern Ireland
Nature of business: Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Manus Peter Magill	Director	Aug 1971	18 Feb 2015	5 other companies
Liam Joseph Mcstravick	Director	Feb 1979	1 Sep 2019	6 other companies
Michael David Black	Director	Nov 1966	15 Dec 2025	19 other companies
Stuart Montgomery Gaffikin	Director	Jul 1984	15 Dec 2025	None
Jeremy Russell Tipper	Director	Dec 1967	26 Jun 2026	16 other companies
Clint Anthony Wilson	Director	Jul 1971	26 Jun 2026	23 other companies
Liam Mcstravick	Secretary	Not published	18 Feb 2015	–

Other companies run by these 6 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: 66
closed down: 22
run together: 3

In the full report: all 66 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 companies these 6 directors run together
All 10 people who have ever been directors, with their dates

Key dates in its history

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

Key events (2) All events (17)

2025

7 May 2025

Became an appointed representative

FCA register

2015

18 February 2015

Incorporated at Companies House

Companies House

In the full report: all 17 events

All 17 events in its history (2 shown here)
Every director appointment and resignation: 14

Firms connected to Concept Apps

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Concept Apps

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

In Belfast

Adrian LappinBelfastAppointed representative BB7 Risk Advisory LimitedBelfastAppointed representative Blutail Financial LimitedBelfastAppointed representative Burke Financial Planning LtdBelfastAppointed representative Emily ConlonBelfastAppointed representative Family Confident LimitedBelfastAppointed 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 Concept Apps

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

66 other companies its directors have run, named
3 background checks on its contact details
All 17 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Concept Apps Ltd FCA authorised?

Concept Apps Ltd (FRN 1033013) 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 Concept Apps?

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. Concept Apps Ltd (FRN 1033013) is an AR of Incorporate Insurance Services Limited (FRN 309312). When you use Concept Apps's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Concept Apps, 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 Concept Apps’ phone number and website?

The FCA register lists the phone number 020 3100 6840 and the website teamfeepay.com for Concept Apps. If you were given different contact details, use these to check with the firm before going any further.

Is Concept Apps a scam or clone?

Concept Apps 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 Concept Apps?

Protection works through Incorporate Insurance Services Limited, the principal firm responsible for Concept Apps's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who runs Concept Apps?

Companies House lists 6 directors of Concept Apps: Manus Peter Magill, Liam Joseph McStravick, Michael David Black, Stuart Montgomery Gaffikin, Jeremy Russell Tipper and Clint Anthony Wilson.

How long has Concept Apps been in business?

The company was formed on 18 February 2015.

Does Concept Apps use any other names?

It trades as TeamFeePay.