Keystone Financial Services Limited

Reference number: 1029105

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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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • Keystone Financial Services Limited (FRN 1029105) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Keystone Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Keystone 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.

  • No website on the FCA register

  • Phone number

    07912 627746

  • Address

    20 Watch Elm Close, Bradley Stoke, Bristol, BS32 8AN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07912 627746 is
  • Who else gives the postcode BS32 8AN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cornerstone Finance Group 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
16112983
Company status
Active
Company type
Private limited company
Incorporated
2 December 2024 (1 year old)
Registered office
20 Watch Elm Close, Bradley Stoke, Bristol, BS32 8AN, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Felix Mathew Anil Director Jan 2005 2 Dec 2024 None
Anil Mathew Director May 1974 2 Dec 2024 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£7,891

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£18.2k

No earlier figure to compare

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 16112983. 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

Keystone Financial Services’s history from the FCA register and Companies House, newest first.

2025

1 March 2025

  • Became an appointed representative

FCA register

2024

2 December 2024

  • Incorporated at Companies House
  • Anil Mathew became the majority owner (50–75% of shares)
  • Anil Mathew appointed as a director
  • Felix Mathew Anil appointed as a director

Companies House

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

Firms like Keystone Financial Services

Other firms of the same type (insurance broker), nearest first.

In the Bristol (BS) postcode area

Jaguar Enthusiasts Club LtdBristolAppointed representativeBarry JohnsonBristolAppointed representativeCoralline Health LimitedAxbridgeAppointed representativeNma Private Health LtdBristolAppointed representativeStephen WindaybankBristolAppointed representativeBL Autosource LLPBristolAppointed 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 Keystone Financial Services

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 5 events in its history

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Frequently asked questions about this firm

Is Keystone Financial Services Limited FCA authorised?
Keystone Financial Services Limited (FRN 1029105) 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 Keystone Financial Services?
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. Keystone Financial Services Limited (FRN 1029105) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Keystone Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Keystone 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.
What is Keystone Financial Services’ phone number?
The FCA register lists the phone number 07912 627746 for Keystone Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Keystone Financial Services a scam or clone?
Keystone Financial Services 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 Keystone Financial Services?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Keystone Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Keystone Financial Services?
Companies House lists one person with significant control of Keystone Financial Services: Mr Anil Mathew (50–75% of shares).
Who runs Keystone Financial Services?
Companies House lists 2 directors of Keystone Financial Services: Felix Mathew Anil and Anil Mathew.
How long has Keystone Financial Services been in business?
The company was formed on 2 December 2024.
What do Keystone Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £7,891 (no earlier figure to compare).

Sources and links

The full report on Keystone Financial Services Limited

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