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 26 years
- Protected through the principal
- No FCA actions
- Active company since 1999
- Accounts filed up to 31 October 2025
- On its latest accounts it owed £23.4k more than it owned
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- House Trading Financial Services Ltd (FRN 200305) is an AR of Sesame Limited (FRN 150427). When you use House Trading Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from House Trading Financial Services, 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.
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No website on the FCA register
-
Phone number
-
Address
The Bank Chambers, 112A Church Road, Redfield, Bristol, Avon, BS5 9LJ, United Kingdom
In the full report: 2 background checks
- What kind of line 0117 902 6311 is
- Who else gives the postcode BS5 9LJ
Other names (6)
If you were contacted under any of these names, it is this firm.
- House and Co Mortgage Trading name: A name it trades under now.
- Clear Financial Solutions Ltd Former name: A name it was registered under before.
- Clear Financial Solutions Former trading name: A name it used to trade under.
- House & Co Estate Agents Former trading name: A name it used to trade under.
- House & Co Lettings Former trading name: A name it used to trade under.
- House & Co. Mortgages Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (2)
- +1 647 874 3611
- 020 4577 1561
Fake email addresses (1)
- info@housetrading-financial.com
Fake websites (1)
- housetrading-financial.com
The FCA warning these came from
- housetrading-financial.com 13 August 2026
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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, freeYou 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- HOUSE TRADING FINANCIAL SERVICES LIMITED
- Company number
- 03853144 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 October 1999 (27 years old)
- Registered office
- The Bank Chambers, 112a Church Road, Redfield, Bristol, BS5 9LJ
- Nature of business
-
- Activities of financial services holding companies (SIC 64205)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Darren Stuart Stone | Director | Jan 1971 | 3 Jan 2001 | 6 other companies |
| Peter House | Secretary | Not published | 21 Feb 2007 | – |
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
- 6
- closed down
- 4
- still active
- 2
In the full report: all 6 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£23.4k
Up £842 from −£24.2k
Cash at bank
£5,011
Up £5,000 from £11
Employees (average)
2
Same as 2
Owed within a year
£85.2k
+5.1% from £81.1k
Net assets are negative: on its last balance sheet the company owed £23.4k more than it owned.
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
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 03853144. 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
House Trading Financial Services’s history from the FCA register and Companies House, newest first.
2026
13 August 2026
- FCA warned the public about a scam impersonating this firm
FCA warning list
2016
6 April 2016
- Bs Five Holdings Limited took control (75–100% of shares)
Companies House
2005
14 February 2005
- Changed its registered name from "Clear Financial Solutions Ltd"
FCA register
2003
8 December 2003
- Changed its registered name from "House Trading Financial Services Ltd"
FCA register
2000
17 January 2000
- Became an appointed representative
FCA register
1999
5 October 1999
- Incorporated at Companies House
Companies House
In the full report: all 26 events
- All 26 events in its history (6 shown here)
- Every director appointment and resignation: 11
Firms like House Trading Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bristol
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 House Trading Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 26 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: housetrading-financial.com fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk