Haysto Ltd

Reference number: 957422

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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.

Responsible principal firm

HL Partnership Limited Reference number: 303397 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.
  • Haysto Ltd (FRN 957422) is an AR of HL Partnership Limited (FRN 303397). When you use Haysto's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Haysto, 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.

In the full report: 3 background checks

  • When haysto.com first appeared online, and whether it can receive email
  • What kind of line 07502 455345 is
  • Who else gives the postcode NR1 3DY
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Other names (3)

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

  • Picnic Trading name
  • Picnic Mortgage Brokers Trading name
  • Picnic Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
12527065
Company status
Active
Company type
Private limited company
Incorporated
19 March 2020 (6 years old)
Registered office
Crystal House, 24 Cattle Market Street, Norwich, NR1 3DY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Coss Director Aug 1982 19 Mar 2020 2 other companies
Jonathan Moulton Director Feb 1986 19 Mar 2020 None
Peter Kenneth Grant Director Jul 1967 31 Oct 2021 None
Philippus Rudolph Botha Director Apr 1974 18 Aug 2026 8 other companies

Other companies run by these 4 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
10
still active
10
are FCA-registered
4

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£1.57m

Up £1.94m from −£372k

Cash at bank

£1.79m

Up £1.65m from £140k

Employees (average)

87

+53% from 57

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
Instant PDF download
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 12527065. 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

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

Key events (5) All events (14)

2021

25 August 2021

  • Became an appointed representative

FCA register

1 June 2021

  • Paul Coss stopped being the majority owner

Companies House

2020

19 March 2020

  • Incorporated at Companies House
  • Jonathan Moulton became the majority owner (50–75% of shares)
  • Paul Coss became the majority owner (50–75% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 6
Instant PDF download

Firms connected to Haysto

Other FCA-listed firms that share a director, phone number or address with Haysto. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
6
share a director
4
share its postcode
2

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (4), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Haysto

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

In Norwich

Active Mortgage Solutions (East Anglia) LtdNorwichAppointed representativeAndrew Michael MorrisNorwichAppointed representativeAspire Mortgages LtdNorwichAppointed representativeAsset Financial Services LimitedNorwichAppointed representativeBabb Mortgages LimitedNorwichAppointed representativeDella ForsterNorwichAppointed 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 Haysto

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Haysto Ltd FCA authorised?
Haysto Ltd (FRN 957422) 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 Haysto?
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. Haysto Ltd (FRN 957422) is an AR of HL Partnership Limited (FRN 303397). When you use Haysto's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Haysto, 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 Haysto’s phone number and website?
The FCA register lists the phone number 07502 455345 and the website haysto.com for Haysto. If you were given different contact details, use these to check with the firm before going any further.
Is Haysto a scam or clone?
Haysto 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 Haysto?
Protection works through HL Partnership Limited, the principal firm responsible for Haysto's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Haysto?
Companies House lists one person with significant control of Haysto: Jonathan Moulton (50–75% of shares). Before that, it was controlled by Mr Paul Coss.
Who runs Haysto?
Companies House lists 4 directors of Haysto: Paul Coss, Jonathan Moulton, Peter Kenneth Grant and Philippus Rudolph Botha.
How long has Haysto been in business?
The company was formed on 19 March 2020.
What do Haysto’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1.57m (up £1.94m from −£372k) and cash at bank of £1.79m (up £1.65m from £140k).
Does Haysto use any other names?
It trades as Picnic, Picnic Mortgage Brokers and Picnic Mortgages.

Sources and links

The full report on Haysto Ltd

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