Elsby Associates Limited

Reference number: 447361

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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

JULIAN HARRIS ADVISER NETWORK LIMITED Reference number: 304155 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.
  • Elsby Associates Limited (FRN 447361) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use Elsby Associates's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Elsby Associates, 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

    01782 766662

  • Address

    Genesis Business Centre, Unit 18, Innovation Way, Stoke-On-Trent, Staffordshire, ST6 4BF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01782 766662 is
  • Who else gives the postcode ST6 4BF
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Other names (2)

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

  • Carl Elsby Former name
  • Elsby Associates Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Julian Harris Adviser Network 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
11232168
Company status
Active
Company type
Private limited company
Incorporated
5 March 2018 (8 years old)
Registered office
Genesis Business Centre, Innovation Way, Stoke-On-Trent, Staffordshire, ST6 4BF, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Carl Elsby Director Sep 1971 5 Mar 2018 1 other company

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 company
1
still active
1

In the full report: all 1 company, 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 30 April 2025Micro-entity accountsNot audited

Net assets

−£38.7k

Down £13.3k from −£25.4k

Employees (average)

2

Same as 2

Owed within a year

£30.5k

+85% from £16.5k

Net assets are negative: on its last balance sheet the company owed £38.7k more than it owned.

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
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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 11232168. 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

Elsby Associates’s history from the FCA register and Companies House, newest first.

Key events (7) All events (11)

2026

3 June 2026

  • Changed its registered name from "Elsby Associates Ltd"

FCA register

28 March 2026

  • Rachel Elizabeth Elsby no longer has significant control

Companies House

2018

5 March 2018

  • Incorporated at Companies House
  • Carl Elsby took control (75–100% of shares)
  • Rachel Elizabeth Elsby gained significant control

Companies House

2015

16 June 2015

  • Changed its registered name from "Carl Elsby"

FCA register

2006

26 January 2006

  • Became an appointed representative

FCA register

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Elsby Associates

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Elsby Associates

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

In Stoke-On-Trent

Adrian White Wealth Management LimitedStoke-on-TrentAppointed representativeAskey & Sutcliffe Associates LtdStoke-on-TrentAppointed representativeBeswicks Financial LimitedStoke-on-TrentAppointed representativeCarl DickinsonStoke-On-TrentAppointed representativeDino VisserStoke-On-TrentAppointed representativeElite Financial Solutions (UK) LimitedStoke-on-TrentAppointed 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 Elsby Associates

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 11 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Elsby Associates Limited FCA authorised?
Elsby Associates Limited (FRN 447361) 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 Elsby Associates?
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. Elsby Associates Limited (FRN 447361) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use Elsby Associates's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Elsby Associates, 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 Elsby Associates’ phone number?
The FCA register lists the phone number 01782 766662 for Elsby Associates. If you were given different contact details, use these to check with the firm before going any further.
Is Elsby Associates a scam or clone?
Elsby Associates 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 Elsby Associates?
Protection works through Julian Harris Adviser Network Limited, the principal firm responsible for Elsby Associates's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Elsby Associates?
Companies House lists one person with significant control of Elsby Associates: Mr Carl Elsby (75–100% of shares). Before that, it was controlled by Mrs Rachel Elizabeth Elsby.
Who runs Elsby Associates?
Companies House lists one director of Elsby Associates: Carl Elsby.
How long has Elsby Associates been in business?
The company was formed on 5 March 2018.
What do Elsby Associates’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of −£38.7k (down £13.3k from −£25.4k).
Does Elsby Associates use any other names?
It has previously used 2 other names: Carl Elsby and Elsby Associates Ltd.

Sources and links

The full report on Elsby Associates Limited

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