Hardtops UK Limited

Reference number: 968917

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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

NewDay Cards Ltd Reference number: 682417 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.
  • Hardtops UK Limited (FRN 968917) introduces customers to NewDay Cards Ltd (FRN 682417). Any regulated advice or arranging is done by the principal, not Hardtops UK.
  • Example: if Hardtops UK refers you to a financial adviser, the advice should come from the principal firm, not from Hardtops 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 hardtopsuk.com first appeared online, and whether it can receive email
  • What kind of line 01672 851842 is
  • Who else gives the postcode SN5 7YT
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through NewDay Cards Ltd, 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
08587481
Company status
Active
Company type
Private limited company
Incorporated
27 June 2013 (13 years old)
Registered office
Unit 3 Westmead Industrial Estate, Westmead, Swindon, Wiltshire, SN5 7YT, England
Nature of business
  • Retail trade of motor vehicle parts and accessories (SIC 45320)

Directors and company secretaries

Name Role Born Appointed Other companies
Joshua Edward Toogood Director Apr 1989 27 Jun 2013 None
Sally Ann Toogood Director Apr 1962 18 Jul 2019 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

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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Full accountsNot audited

Net assets

£2.02m

+13% from £1.80m

Cash at bank

£779k

+17% from £664k

Owed within a year

£641k

−23% from £832k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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 08587481. 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

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

Key events (5) All events (10)

2022

31 January 2022

  • Became an introducer appointed representative

FCA register

2019

18 July 2019

  • Bartholomew Andrew Richard Toogood stopped being a part-owner

Companies House

2016

6 April 2016

  • Bartholomew Andrew Richard Toogood became a part-owner (25–50% of shares)
  • Joshua Edward Toogood took control (75–100% of shares)

Companies House

2013

27 June 2013

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Get the full report on Hardtops UK

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
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Hardtops UK Limited FCA authorised?
Hardtops UK Limited (FRN 968917) 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 Hardtops 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. Hardtops UK Limited (FRN 968917) introduces customers to NewDay Cards Ltd (FRN 682417). Any regulated advice or arranging is done by the principal, not Hardtops UK. Example: if Hardtops UK refers you to a financial adviser, the advice should come from the principal firm, not from Hardtops 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 Hardtops UK’s phone number and website?
The FCA register lists the phone number 01672 851842 and the website hardtopsuk.com for Hardtops UK. If you were given different contact details, use these to check with the firm before going any further.
Is Hardtops UK a scam or clone?
Hardtops 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 Hardtops UK?
Protection works through NewDay Cards Ltd, the principal firm responsible for Hardtops UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Hardtops UK?
Companies House lists one person with significant control of Hardtops UK: Joshua Edward Toogood (75–100% of shares). Before that, it was controlled by Bartholomew Andrew Richard Toogood.
Who runs Hardtops UK?
Companies House lists 2 directors of Hardtops UK: Joshua Edward Toogood and Sally Ann Toogood.
How long has Hardtops UK been in business?
The company was formed on 27 June 2013.
What do Hardtops UK’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £2.02m (+13% from £1.80m) and cash at bank of £779k (+17% from £664k).

Sources and links

The full report on Hardtops UK Limited

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