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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 December 2024
- 1 thing worth a closer look in the background checks
Responsible principal firm
Independent Broking Solutions Limited Reference number: 312026 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.
- Cyberteq Oversight LTD (FRN 1011480) is an AR of Independent Broking Solutions Limited (FRN 312026). When you use Cyberteq Oversight's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cyberteq Oversight, 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
-
Address
1 George Yard (4th Floor), London, City Of London, EC3V 9DF, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line 07908 556519 is, and the 2 other firms that give it
- Whether EC3V 9DF is a shared office: 22 other firms give it
Other names (3)
If you were contacted under any of these names, it is this firm.
- CYBERTEQ Trading name: A name it trades under now.
- Digital Oversight Risk Solutions Trading name: A name it trades under now.
- DIGITAL OVERSIGHT (AI) LIMITED Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Independent Broking 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, freeYou 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
- 14431027 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 October 2022 (4 years old)
- Registered office
- 1 George Yard, 4th Floor, London, EC3V 9DF, England
- Nature of business
-
- Management consultancy activities other than financial management (SIC 70229)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicholas John Marius Carratu | Director | Oct 1966 | 20 Oct 2022 | 5 other companies |
| Nicholas Beresford Readings | Director | Jun 1952 | 20 Dec 2022 | 28 other companies |
| Christopher Mitchell Keay | Director | Jul 1967 | 17 Jan 2023 | 1 other company |
| Louis Coomans | Director | May 1964 | 12 Jun 2026 | None |
| Lourene Lopez | Secretary | Not published | 23 Apr 2025 | – |
Other companies run by these 4 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
- 33
- closed down
- 5
- are FCA-registered
- 20
In the full report: all 33 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 20 on the FCA register, including one no longer authorised
- The 1 company these 4 directors run together
Filed accounts and finances
Net assets
£121k
+816% from £13.2k
Employees (average)
1
Up 1 from 0
Owed within a year
£15.3k
Up £15.2k from £120
Net assets
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 14431027. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Cyberteq Oversight’s history from the FCA register and Companies House, newest first.
2026
21 May 2026
- Changed its registered name from "DIGITAL OVERSIGHT (AI) LIMITED"
FCA register
2024
10 June 2024
- Became an appointed representative
FCA register
2023
17 January 2023
- Christopher Mitchell Keay became a part-owner (25–50% of shares)
- Nicholas John Marius Carratu gave up control
Companies House
2022
20 October 2022
- Incorporated at Companies House
- Nicholas John Marius Carratu took control (75–100% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (6 shown here)
- Every director appointment and resignation: 4
Firms connected to Cyberteq Oversight
Other FCA-listed firms that share a director, phone number or address with Cyberteq Oversight. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 12
- share its postcode
- 5
In the full report: all 12 connected firms, named
- How each is linked: shared directors (12), the same postcode (5)
- Who links each one: the named directors, with dates
Firms like Cyberteq Oversight
Other firms of the same type (insurance broker), nearest first.
In London
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 Cyberteq Oversight
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 33 other companies its directors have run, named
- 2 background checks on its contact details, 1 flagged
- All 12 events in its history
- 12 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Cyberteq Oversight LTD FCA authorised?
What does appointed representative mean for Cyberteq Oversight?
What is Cyberteq Oversight’s phone number?
Is Cyberteq Oversight a scam or clone?
Is my money safe with Cyberteq Oversight?
Who owns Cyberteq Oversight?
Who runs Cyberteq Oversight?
How long has Cyberteq Oversight been in business?
What do Cyberteq Oversight’s latest accounts show?
Does Cyberteq Oversight use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk