Crystal Clear FS Limited

Reference number: 500862

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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.

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
  • Crystal Clear FS Limited (FRN 500862) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Crystal Clear FS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Crystal Clear FS, 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.

In the full report: 3 background checks

  • When crystalclearfs.com first appeared online, and whether it can receive email
  • What kind of line 01483 487417 is
  • Who else gives the postcode TW11 0JR
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Other names (3)

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

  • Crystal Clear Financial Services Trading name
  • Mike Brown Former name
  • Crystal Clear Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial 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 name
CRYSTAL CLEAR FS LTD
Company number
08822193
Company status
Active
Company type
Private limited company
Incorporated
20 December 2013 (12 years old)
Registered office
Causeway House, 13 The Causeway, Teddington, TW11 0JR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Terence Brown Director Sep 1972 20 Dec 2013 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£805

−88% from £6,511

Cash at bank

£46.9k

Up £44.5k from £2,372

Employees (average)

4

Same as 4

Owed within a year

£37.0k

+175% from £13.5k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 08822193. 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

Crystal Clear FS’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

6 April 2016

  • Michael Terence Brown took control (75–100% of shares)

Companies House

2014

3 November 2014

  • Changed its registered name from "Mike Brown"

FCA register

2013

20 December 2013

  • Incorporated at Companies House

Companies House

2009

12 May 2009

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Crystal Clear FS

Other FCA-listed firms that share a director, phone number or address with Crystal Clear FS. 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
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Firms like Crystal Clear FS

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

In Teddington

Bettersafe Products LimitedTeddingtonAppointed representativeCF Brokers LimitedTeddingtonAppointed representativeRoebuck Mortgages and Protection LimitedTeddingtonAppointed representativeSnellers LimitedTeddingtonAppointed representativeSneller Property Consultants LimitedTeddingtonAppointed representativeCommercial and General LimitedTeddingtonAuthorised

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 Crystal Clear FS

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Crystal Clear FS Limited FCA authorised?
Crystal Clear FS Limited (FRN 500862) 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 Crystal Clear FS?
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. Crystal Clear FS Limited (FRN 500862) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Crystal Clear FS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Crystal Clear FS, 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 Crystal Clear FS’ phone number and website?
The FCA register lists the phone number 01483 487417 and the website crystalclearfs.com for Crystal Clear FS. If you were given different contact details, use these to check with the firm before going any further.
Is Crystal Clear FS a scam or clone?
Crystal Clear FS 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 Crystal Clear FS?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Crystal Clear FS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Crystal Clear FS?
Companies House lists one person with significant control of Crystal Clear FS: Mr Michael Terence Brown (75–100% of shares).
Who runs Crystal Clear FS?
Companies House lists one director of Crystal Clear FS: Michael Terence Brown.
How long has Crystal Clear FS been in business?
The company was formed on 20 December 2013.
What do Crystal Clear FS’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £805 (−88% from £6,511) and cash at bank of £46.9k (up £44.5k from £2,372).
Does Crystal Clear FS use any other names?
It trades as Crystal Clear Financial Services. It has previously used 2 other names: Mike Brown and Crystal Clear.

Sources and links

The full report on Crystal Clear FS Limited

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