G and B (UK) Ltd

Reference number: 1025334

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

  • No phone number on the FCA register

  • Address

    31 Carlton Road, Hale, Cheshire, WA15 8RH, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode WA15 8RH
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Other names (2)

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

  • G&B Bridging Trading name
  • G&B UK Trading name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
01357421
Company status
Active
Company type
Private limited company
Incorporated
14 March 1978 (48 years old)
Registered office
31 Carlton Road, Hale, Altrincham, WA15 8RH, England
Nature of business
  • Activities of other holding companies not elsewhere classified (SIC 64209)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Renting and leasing of other machinery, equipment and tangible goods not elsewhere classified (SIC 77390)

Directors and company secretaries

Name Role Born Appointed Other companies
David Laurence Phillips Director Oct 1966 1 Oct 2010 33 other companies
David Laurence Phillips Secretary Not published 31 Mar 2015 –

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 companies
33
closed down
20
went insolvent
2

In the full report: all 33 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • The 2 that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£4.41m

+4.4% from £4.22m

Cash at bank

£2.33m

−4.8% from £2.45m

Employees (average)

1

Same as 1

Owed within a year

£102k

−35% from £158k

Net assets

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 01357421. 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

G and B (UK)’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2025

12 March 2025

  • Registered with the FCA

FCA register

2024

14 May 2024

  • The Gerald Phillips 2024 Will Trust became a part-owner (25–50% of shares)

Companies House

2023

16 July 2023

  • Gerald Phillips stopped being a part-owner

Companies House

2016

6 April 2016

  • Barbara Fay Phillips Will Trust became a part-owner (25–50% of shares)
  • David Laurence Phillips became a part-owner (25–50% of shares)
  • Gerald Phillips became a part-owner (25–50% of shares)

Companies House

1978

14 March 1978

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Get the full report on G and B (UK)

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

  • 33 other companies its directors have run, named
  • 1 background check on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is G and B (UK) Ltd FCA authorised?
G and B (UK) Ltd (FRN 1025334) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is G and B (UK) a scam or clone?
G and B (UK) is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with G and B (UK)?
Money you hand to G and B (UK) is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns G and B (UK)?
Companies House lists 3 people with significant control of G and B (UK): The Gerald Phillips 2024 Will Trust (25–50% of shares), Mr David Laurence Phillips (25–50% of shares) and Barbara Fay Phillips Will Trust (25–50% of shares). Before that, it was controlled by Mr Gerald Phillips.
Who runs G and B (UK)?
Companies House lists one director of G and B (UK): David Laurence Phillips.
How long has G and B (UK) been in business?
The company was formed on 14 March 1978.
What do G and B (UK)’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £4.41m (+4.4% from £4.22m) and cash at bank of £2.33m (−4.8% from £2.45m).
Does G and B (UK) use any other names?
It trades as G&B Bridging and G&B UK.

Sources and links

The full report on G and B (UK) Ltd

£19.99 · Instant PDF download

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