Flog UK Ltd

Reference number: 843481

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Networking & Business Referrals Limited Reference number: 678578 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Flog UK Ltd (FRN 843481) introduces customers to Networking & Business Referrals Limited (FRN 678578). Any regulated advice or arranging is done by the principal, not Flog UK.
  • Example: if Flog UK refers you to a financial adviser, the advice should come from the principal firm, not from Flog UK itself.
  • 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 bnionline.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 667 6607 is
  • Who else gives the postcode M20 6XD
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Other names (1)

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

  • BNI Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Networking & Business Referrals 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
04294011
Company status
Active
Company type
Private limited company
Incorporated
26 September 2001 (25 years old)
Registered office
24 Cassel Avenue Branksome Park, Poole, Dorset, BH13 6JD, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael James Holman Director Mar 1971 26 Sep 2001 None
Carole Irene Holman Secretary Not published 26 Sep 2001 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Total equity

£89.7k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£50.9k

−33% from £76.2k

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.

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

Accounts filed at Companies House for company 04294011. 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

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

2019

5 June 2019

  • Became an introducer appointed representative
  • Began trading as "BNI"

FCA register

2016

6 April 2016

  • Marta Holman became a part-owner (25–50% of shares)
  • Michael James Holman became the majority owner (50–75% of shares)

Companies House

2001

26 September 2001

  • Incorporated at Companies House
  • Michael James Holman appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Flog UK

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

In Manchester

AMW Lift & Mobility Services LtdManchesterAppointed representativeCamperlands LimitedManchesterAppointed representativeCare About Money LtdManchesterAppointed representativeChetham's Hospital School and LibraryManchesterAppointed representativeCommunity Transport Association UKManchesterAppointed representativeDebt Movement UK LtdManchesterAppointed 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 Flog UK

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 6 events in its history

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Frequently asked questions about this firm

Is Flog UK Ltd FCA authorised?
Flog UK Ltd (FRN 843481) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Flog UK?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Flog UK Ltd (FRN 843481) introduces customers to Networking & Business Referrals Limited (FRN 678578). Any regulated advice or arranging is done by the principal, not Flog UK. Example: if Flog UK refers you to a financial adviser, the advice should come from the principal firm, not from Flog UK itself. 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 Flog UK’s phone number and website?
The FCA register lists the phone number 0161 667 6607 and the website bnionline.co.uk for Flog UK. If you were given different contact details, use these to check with the firm before going any further.
Is Flog UK a scam or clone?
Flog UK 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 Flog UK?
Protection works through Networking & Business Referrals Limited, the principal firm responsible for Flog UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Flog UK?
Companies House lists 2 people with significant control of Flog UK: Mr Michael James Holman (50–75% of shares) and Mrs Marta Holman (25–50% of shares).
Who runs Flog UK?
Companies House lists one director of Flog UK: Michael James Holman.
How long has Flog UK been in business?
The company was formed on 26 September 2001.
What do Flog UK’s latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of £89.7k (no earlier figure to compare).
Does Flog UK use any other names?
It trades as BNI.

Sources and links

The full report on Flog UK Ltd

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