Ivy Sterling Ltd: FCA regulated?

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 2 years
Protected through the principal
No FCA actions
Active company since 2023
Accounts filed up to 30 June 2025
1 thing worth a closer look in the background checks

Responsible principal firm

Sense Network Limited Reference number: 465124 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.
Ivy Sterling Ltd (FRN 1015039) is an AR of Sense Network Limited (FRN 465124). When you use Ivy Sterling's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Ivy Sterling, 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.

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.

Ivy Sterling Ltd Reference number: 1020277 Payment agent

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.

Website

ivysterling.co.uk (opens in a new tab)
Phone number

07738 408763
Address

1 Fore Street Avenue, London, City Of London, EC2Y 9DT, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When ivysterling.co.uk first appeared online, and whether it can receive email
What kind of line 07738 408763 is
Whether EC2Y 9DT is a shared office: 22 other firms give it

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Sense Network 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.

Company number: 14916084 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 June 2023 (3 years old)
Registered office: 1 Fore Street Avenue, London, EC2Y 9DT, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jessica Louisa Tivey	Director	May 1987	5 Jun 2023	2 other companies
Scott William Moorhouse	Director	May 1989	1 Jul 2025	None

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: 2
closed down: 1
is FCA-registered: 1

In the full report: all 2 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 one on the FCA register

Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£2,599

−48% from £5,000

Employees (average)

2

No earlier figure to compare

Owed within a year

£22.1k

No earlier figure to compare

Net assets

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 14916084. 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

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

2025

1 July 2025

Scott William Moorhouse became a part-owner (25–50% of shares)
Scott William Moorhouse appointed as a director

Companies House

2024

15 June 2024

Became an appointed representative

FCA register

2023

5 June 2023

Incorporated at Companies House
Jessica Louisa Tivey became a part-owner (25–50% of shares)
Jessica Louisa Tivey appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Ivy Sterling

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Ivy Sterling

Other firms of the same type (financial adviser), nearest first.

In London

SIX Financial Information UK LimitedLondonAppointed representative Magellan Investment Partners (UK) LimitedLondonAppointed representative Moonfare UK LimitedLondonAppointed representative Alpha FX Institutional LimitedLondonAppointed representative LCP Capital Solutions LimitedLondonAppointed representative Brighton Park Capital UK LimitedLondonAppointed 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 Ivy Sterling

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

2 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 6 events in its history

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Frequently asked questions about this firm

Is Ivy Sterling Ltd FCA authorised?

Ivy Sterling Ltd (FRN 1015039) 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 Ivy Sterling?

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. Ivy Sterling Ltd (FRN 1015039) is an AR of Sense Network Limited (FRN 465124). When you use Ivy Sterling's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ivy Sterling, 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 Ivy Sterling’s phone number and website?

The FCA register lists the phone number 07738 408763 and the website ivysterling.co.uk for Ivy Sterling. If you were given different contact details, use these to check with the firm before going any further.

Is Ivy Sterling a scam or clone?

Ivy Sterling 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 Ivy Sterling?

Protection works through Sense Network Limited, the principal firm responsible for Ivy Sterling's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Ivy Sterling?

Companies House lists 2 people with significant control of Ivy Sterling: Ms Jessica Louisa Tivey (25–50% of shares) and Mr Scott William Moorhouse (25–50% of shares).

Who runs Ivy Sterling?

Companies House lists 2 directors of Ivy Sterling: Jessica Louisa Tivey and Scott William Moorhouse.

How long has Ivy Sterling been in business?

The company was formed on 5 June 2023.

What do Ivy Sterling’s latest accounts show?

Its latest accounts, to 30 June 2025, show net assets of £2,599 (−48% from £5,000).