FB Business Solutions Ltd

Reference number: 495871

Instant download

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

First Complete Limited Reference number: 435779 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.
  • FB Business Solutions Ltd (FRN 495871) is an AR of First Complete Limited (FRN 435779). When you use FB Business Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from FB Business Solutions, 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

    0845 302 3039

  • Address

    69 Landcross Drive, Northampton, NN3 3LN, United Kingdom

In the full report: 2 background checks

  • What kind of line 0845 302 3039 is
  • Who else gives the postcode NN3 3LN
Instant PDF download
Other names (1)

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

  • The Financial Brokerage Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
06989202
Company status
Active
Company type
Private limited company
Incorporated
12 August 2009 (17 years old)
Registered office
69 Landcross Drive, Northampton, NN3 3LN, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Louise Ann Hardcastle Director Aug 1969 12 Aug 2009 1 other company
Philip James Hardcastle Director May 1968 12 Aug 2009 1 other company

Other companies run by these 2 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 company
1
still active
1
run together
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
  • All 4 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£28.0k

No earlier figure to compare

Owed within a year

£44.6k

+28% from £34.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 06989202. 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

FB Business Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (11)

2016

1 June 2016

  • Philip James Hardcastle took control (75–100% of shares)

Companies House

2009

5 November 2009

  • Changed its registered name from "The Financial Brokerage"

FCA register

12 August 2009

  • Incorporated at Companies House

Companies House

30 January 2009

  • Became an appointed representative

FCA register

In the full report: all 11 events

  • All 11 events in its history (4 shown here)
  • Every director appointment and resignation: 6
Instant PDF download

Firms like FB Business Solutions

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

In Northampton

Lois HookNorthamptonAppointed representativeAdaptive Mortgage & Protection Solutions LtdNorthamptonAppointed representativeAsset Insurance Solutions LtdNorthamptonAppointed representativeBillings Mortgage & Insurance Services LimitedNorthamptonAppointed representativeBrampton Wealth Management LtdNorthamptonAppointed representativeCharles Martin Risk Solutions LimitedNorthamptonAppointed 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 FB Business Solutions

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
  • 7 years of accounts, charted
  • All 11 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is FB Business Solutions Ltd FCA authorised?
FB Business Solutions Ltd (FRN 495871) 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 FB Business Solutions?
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. FB Business Solutions Ltd (FRN 495871) is an AR of First Complete Limited (FRN 435779). When you use FB Business Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from FB Business Solutions, 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 FB Business Solutions’ phone number?
The FCA register lists the phone number 0845 302 3039 for FB Business Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is FB Business Solutions a scam or clone?
FB Business Solutions 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 FB Business Solutions?
Protection works through First Complete Limited, the principal firm responsible for FB Business Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns FB Business Solutions?
Companies House lists one person with significant control of FB Business Solutions: Mr Philip James Hardcastle (75–100% of shares).
Who runs FB Business Solutions?
Companies House lists 2 directors of FB Business Solutions: Louise Ann Hardcastle and Philip James Hardcastle.
How long has FB Business Solutions been in business?
The company was formed on 12 August 2009.
What do FB Business Solutions’ latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £28.0k (no earlier figure to compare).
Does FB Business Solutions use any other names?
It trades as The Financial Brokerage.

Sources and links

The full report on FB Business Solutions Ltd

£19.99 · Instant PDF download

Loading secure checkout…