Individual Savings Accounts Ltd
Reference number: 188474
Instant download
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 28 years
- Protected through the principal
- No FCA actions
- Active company since 1997
- Accounts filed up to 31 August 2025
Responsible principal firm
Expatriate Advisory Services Limited Reference number: 125686 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.
- Individual Savings Accounts Ltd (FRN 188474) is an AR of Expatriate Advisory Services Limited (FRN 125686). When you use Individual Savings Accounts's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Individual Savings Accounts, 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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Phone number
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Address
16 High Street, Kegworth, Derby, DE74 2DA, United Kingdom
In the full report: 3 background checks
- When isa-ltd.co.uk first appeared online, and whether it can receive email
- What kind of line 01509 670918 is, and the 2 other firms that give it
- Who else gives the postcode DE74 2DA
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 (1)
- 07441 921634
Fake email addresses (1)
- alex.wagner@isa-limited.link
The FCA warning these came from
- isa-limited.link 2 December 2024
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Expatriate Advisory Services 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
- INDIVIDUAL SAVINGS ACCOUNTS LIMITED
- Company number
- 03375108 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 May 1997 (29 years old)
- Registered office
- 16 High Street, Kegworth, Derbyshire, DE74 2DA
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Mark Betts | Director | Dec 1973 | 11 Jun 2007 | 7 other companies |
| Hardev Singh | Director | May 1962 | 4 Feb 2016 | 17 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
- 17
- closed down
- 1
- are FCA-registered
- 2
In the full report: all 17 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 on the FCA register
- The 7 companies these 2 directors run together
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£10.2m
+3.7% from £9.82m
Cash at bank
£27.9k
−1.7% from £28.4k
Employees (average)
2
Same as 2
Owed within a year
£5,907
+32% from £4,483
Assets and liabilities
In the full report: all 5 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 03375108. 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
Individual Savings Accounts’s history from the FCA register and Companies House, newest first.
2024
2 December 2024
- FCA warned the public about a scam impersonating this firm
FCA warning list
2017
26 July 2017
- Expatriate Advisory Services Ltd took control (75–100% of shares)
Companies House
1998
19 October 1998
- Became an appointed representative
FCA register
1997
22 May 1997
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (4 shown here)
- Every director appointment and resignation: 6
Firms connected to Individual Savings Accounts
Other FCA-listed firms that share a director, phone number or address with Individual Savings Accounts. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- share its phone number
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2), the same phone number (2), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Individual Savings Accounts
Other firms of the same type (financial adviser), nearest first.
In Derby
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 Individual Savings Accounts
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 17 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 10 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Individual Savings Accounts Ltd FCA authorised?
What does appointed representative mean for Individual Savings Accounts?
What is Individual Savings Accounts’ phone number and website?
Is Individual Savings Accounts a scam or clone?
Is my money safe with Individual Savings Accounts?
Who owns Individual Savings Accounts?
Who runs Individual Savings Accounts?
How long has Individual Savings Accounts been in business?
What do Individual Savings Accounts’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: isa-limited.link fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk