Lloyd & Whyte Community Broking Ltd

Reference number: 301273

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 lloydwhytecommunity.com first appeared online, and whether it can receive email
  • What kind of line 01823 250700 is, and the 2 other firms that give it
  • Who else gives the postcode TA2 6AA
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Other names (10)

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

  • Cleddau Insurance Services Trading name
  • Davies Craddock Trading name
  • Eastside Insurance Services Trading name
  • Jo Pavey Insurance Services Trading name
  • Lloyd & Whyte Health & Wellbeing Trading name
  • Lloyd & Whyte Legal Indemnities Trading name
  • Northcott Beaton Trading name
  • Bh&S Insurance Services Limited Former name
  • BH&S Business Insurance Services Former trading name
  • BH&S Insurance Services Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-collecting
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.

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
04640518
Company status
Active
Company type
Private limited company
Incorporated
17 January 2003 (23 years old)
Registered office
Affinity House, Bindon Road, Taunton, TA2 6AA, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Astley Director Nov 1959 5 Mar 2021 22 other companies
David Robert Moore Director Feb 1966 5 Mar 2021 38 other companies
Matthew Mervyn Pyke Director Aug 1970 5 Mar 2021 38 other companies
Paul Short Director Jul 1985 1 Aug 2023 1 other company
Stephen Astley Secretary Not published 5 Mar 2021 –

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
48
closed down
22
are FCA-registered
16

In the full report: all 48 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 16 on the FCA register, including 2 no longer authorised
  • The 29 companies these 4 directors run together
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

9 months to 31 December 2020Abridged accountsNot audited

Net assets

£8,622

−42% from £14.8k

Cash at bank

£12.9k

Up £12.3k from £605

Employees (average)

7

+17% from 6

Owed within a year

£84.4k

−3.8% from £87.8k

Assets and liabilities

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 04640518. 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

Lloyd & Whyte Community Broking’s history from the FCA register and Companies House, newest first.

Key events (15) All events (59)

2021

19 March 2021

  • Changed its registered name from "B H & S Insurance Services Limited"

FCA register

5 March 2021

  • Board replaced: both directors left and 4 new directors took over
  • Ars (Taunton) Limited gave up control
  • Lloyd & Whyte Group Ltd took control (75–100% of shares)

Companies House

2020

21 December 2020

  • Changed its registered name from "Bh&S Insurance Services Limited"

FCA register

18 March 2020

  • FCA imposed a requirement (May control but not hold client money)

FCA register

2016

6 April 2016

  • Amanda Jane Smith became a part-owner (25–50% of shares)
  • Amanda Jane Smith stopped being a part-owner
  • Ars (Taunton) Limited took control (75–100% of shares)
  • Richard Paul Hierons Smith became a part-owner (25–50% of shares)
  • Richard Paul Hierons Smith stopped being a part-owner

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2003

17 January 2003

  • Incorporated at Companies House

Companies House

In the full report: all 59 events

  • All 59 events in its history (15 shown here)
  • Every director appointment and resignation: 28
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Firms connected to Lloyd & Whyte Community Broking

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

connected firms
12
share a director
12
share its phone number
2

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Lloyd & Whyte Community Broking

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

In Taunton

Lloyd & Whyte LimitedTauntonAuthorisedPure Protection LtdTauntonAuthorisedTownley Insurance Brokers LimitedTauntonAuthorisedWellness Health and Protection LimitedTauntonAuthorisedWPA Healthcare Practice PLCTauntonAuthorisedGoss Health LtdTauntonAppointed 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 Lloyd & Whyte Community Broking

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

  • 48 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 59 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lloyd & Whyte Community Broking Ltd FCA authorised?
Yes, Lloyd & Whyte Community Broking Ltd (FRN 301273) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Lloyd & Whyte Community Broking’s phone number and website?
The FCA register lists the phone number 01823 250700 and the website lloydwhytecommunity.com for Lloyd & Whyte Community Broking. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Lloyd & Whyte Community Broking a scam or clone?
Lloyd & Whyte Community Broking 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 Lloyd & Whyte Community Broking?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Lloyd & Whyte Community Broking to the Financial Ombudsman Service, free of charge.
Who owns Lloyd & Whyte Community Broking?
Lloyd & Whyte Community Broking is owned by Lloyd & Whyte Group Ltd, which holds 75–100% of shares, since 5 March 2021. Before that, it was controlled by Mr Richard Paul Hierons Smith, Mrs Amanda Jane Smith and Ars (Taunton) Limited.
Who runs Lloyd & Whyte Community Broking?
Companies House lists 4 directors of Lloyd & Whyte Community Broking: Stephen Astley, David Robert Moore, Matthew Mervyn Pyke and Paul Short.
How long has Lloyd & Whyte Community Broking been in business?
The company was formed on 17 January 2003, and has held its current FCA authorisation since January 2005.
What do Lloyd & Whyte Community Broking’s latest accounts show?
Its latest accounts, to 31 December 2020, show net assets of £8,622 (−42% from £14.8k) and cash at bank of £12.9k (up £12.3k from £605).
Does Lloyd & Whyte Community Broking use any other names?
It trades as Cleddau Insurance Services, Davies Craddock, Eastside Insurance Services, Jo Pavey Insurance Services and Lloyd & Whyte Health & Wellbeing, and 2 more names. It has previously used 3 other names: Bh&S Insurance Services Limited, BH&S Business Insurance Services and BH&S Insurance Services.

Sources and links

The full report on Lloyd & Whyte Community Broking Ltd

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