Francis Stone Limited

Reference number: 414562

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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.

Appointed for 21 years
Protected through the principal
No FCA actions
Active company since 2004
Accounts filed up to 31 March 2025

Responsible principal firm

Advance Mortgage Funding Limited Reference number: 305008 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.
Francis Stone Limited (FRN 414562) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Francis Stone's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Francis Stone, 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.

Website

francis-stone.com (opens in a new tab)
Phone number

020 3053 3703
Address

18 King William Street, London, EC4N 7BP, United Kingdom

In the full report: 3 background checks

When francis-stone.com first appeared online, and whether it can receive email
What kind of line 020 3053 3703 is
Who else gives the postcode EC4N 7BP

Other names (2)

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

Francis Stone Former name: A name it was registered under before.
Francis Stone Ltd Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Advance Mortgage Funding 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: 05060746 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 March 2004 (22 years old)
Registered office: 18 King William Street, London, EC4N 7BP, United Kingdom
Nature of business: Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Lee Francis	Director	Mar 1975	2 Mar 2004	2 other companies
Stefan Paul Stone	Director	Feb 1976	2 Mar 2004	3 other companies
Stefan Paul Stone	Secretary	Not published	2 Mar 2004	3 other companies

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 companies: 3
closed down: 3
run together: 2

In the full report: all 3 companies, 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 2 companies these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£89.9k

−46% from £166k

Employees (average)

Same as 6

Owed within a year

£112k

−17% from £134k

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

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 05060746. 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

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

2026

3 August 2026

Changed its registered name from "Francis Stone Ltd"

FCA register

2016

6 April 2016

Lee Francis became a part-owner (25–50% of shares)
Stefan Paul Stone became a part-owner (25–50% of shares)

Companies House

2010

22 January 2010

Changed its registered name from "Francis Stone"

FCA register

2004

12 November 2004

Became an appointed representative

FCA register

2 March 2004

Incorporated at Companies House
Lee Francis appointed as a director
Stefan Paul Stone appointed as a director

Companies House

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

Firms like Francis Stone

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Purplebricks Mortgages LimitedLondonAppointed representative David RounsfellLondonAppointed representative Ema Private Finance LimitedLondonAppointed representative Harris ZubairLondonAppointed representative Heather MaCaskillLondonAppointed representative Lawrence BolarinwaLondonAppointed 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 Francis Stone

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

3 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is Francis Stone Limited FCA authorised?

Francis Stone Limited (FRN 414562) 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 Francis Stone?

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. Francis Stone Limited (FRN 414562) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Francis Stone's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Francis Stone, 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 Francis Stone’s phone number and website?

The FCA register lists the phone number 020 3053 3703 and the website francis-stone.com for Francis Stone. If you were given different contact details, use these to check with the firm before going any further.

Is Francis Stone a scam or clone?

Francis Stone 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 Francis Stone?

Protection works through Advance Mortgage Funding Limited, the principal firm responsible for Francis Stone's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Francis Stone?

Companies House lists 2 people with significant control of Francis Stone: Mr Stefan Paul Stone (25–50% of shares) and Mr Lee Francis (25–50% of shares).

Who runs Francis Stone?

Companies House lists 2 directors of Francis Stone: Lee Francis and Stefan Paul Stone.

How long has Francis Stone been in business?

The company was formed on 2 March 2004.

What do Francis Stone’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £89.9k (−46% from £166k).

Does Francis Stone use any other names?

It has previously used 2 other names: Francis Stone and Francis Stone Ltd.

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