Fistic Ltd

Reference number: 309463

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 ifaco.co.uk first appeared online, and whether it can receive email
  • What kind of line 01946 821150 is
  • Who else gives the postcode CA19 1UL
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Other names (3)

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

  • Firth Insurance Trading name
  • The IFA Company Trading name
  • Firth Insurance Services Ltd Former name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

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
04168655
Company status
Active
Company type
Private limited company
Incorporated
27 February 2001 (25 years old)
Registered office
Office 3 Crummock Court, Greengarth Business Park, Holmrook, Cumbria, CA19 1UL, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Lucy Christine Mckinley Director Jan 1983 1 Apr 2019 None
Christopher Stuart Wilson Director May 1973 1 May 2024 None
Jessica Frances Strangward Secretary Not published 3 May 2001 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£167k

No earlier figure to compare

Employees (average)

3

+200% from 1

Owed within a year

£57.5k

−4.8% from £60.4k

The accounts for the year to 31 October 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £172k, for the year to 31 October 2021.

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
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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.

Accounts filed at Companies House for company 04168655. 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

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

Key events (10) All events (21)

2024

1 May 2024

  • Lucy Christine McKinley stopped being a part-owner

Companies House

2023

18 January 2023

  • Frances Monica Huggett stopped being a part-owner

Companies House

2018

1 January 2018

  • Lucy Christine McKinley became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Frances Monica Huggett became a part-owner (25–50% of shares)
  • Jessica Frances Strangward became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

25 November 2005

  • Changed its registered name from "Firth Insurance Services Ltd"

FCA register

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2001

27 February 2001

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (10 shown here)
  • Every director appointment and resignation: 6
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Firms like Fistic

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

In the Carlisle (CA) postcode area

H & H Insurance Brokers LimitedCarlisleAuthorisedInvestment Discounts on Line LimitedPenrithAuthorisedJ & V Risk Solutions LtdCarlisleAuthorisedJ.N & E Capstick Insurance Consultants LimitedKirkby StephenAuthorisedRaw Insurance Brokers Ltd.CarlisleAuthorisedI Mandle, G Davies, G R Holliday & N E Wilkinson BuckleCarlisleAppointed 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 Fistic

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 21 events in its history

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Frequently asked questions about this firm

Is Fistic Ltd FCA authorised?
Yes, Fistic Ltd (FRN 309463) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Fistic’s phone number and website?
The FCA register lists the phone number 01946 821150 and the website ifaco.co.uk for Fistic. If you were given different contact details, use these to check with the firm before going any further.
Is Fistic a scam or clone?
Fistic 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 Fistic?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Fistic to the Financial Ombudsman Service, free of charge.
Who owns Fistic?
Companies House lists one person with significant control of Fistic: Miss Jessica Frances Strangward (50–75% of shares). Before that, it was controlled by Miss Frances Monica Huggett and Ms Lucy Christine McKinley.
Who runs Fistic?
Companies House lists 2 directors of Fistic: Lucy Christine McKinley and Christopher Stuart Wilson.
How long has Fistic been in business?
The company was formed on 27 February 2001, and has held its current FCA authorisation since January 2005.
What do Fistic’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £167k (no earlier figure to compare).
Does Fistic use any other names?
It trades as Firth Insurance and The IFA Company. It has previously used the name Firth Insurance Services Ltd.

Sources and links

The full report on Fistic Ltd

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