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 34 years
- Protected through the principal
- No FCA actions
- Active company since 1998
- Accounts filed up to 21 April 2026
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.
- Maxted & Bareham Financial Services Ltd (FRN 154385) is an AR of Sesame Limited (FRN 150427). When you use Maxted & Bareham Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Maxted & Bareham 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
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Phone number
-
Address
4 Halifax Close, Bricket Wood, St. Albans, Hertfordshire, AL2 3RH, United Kingdom
In the full report: 2 background checks
- What kind of line 01442 212600 is
- Who else gives the postcode AL2 3RH
Other names (2)
If you were contacted under any of these names, it is this firm.
- Maxted & Bareham Financial Services Ltd - U189 Former name: A name it was registered under before.
- Maxted & Bareham Financial Services U189 Former name: A name it was registered under before.
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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- MAXTED & BAREHAM FINANCIAL SERVICES LIMITED
- Company number
- 03654232 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 October 1998 (28 years old)
- Registered office
- Northwood House, 138 Bromham Road, Bedford, Bedfordshire, MK40 2QW
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stephen Maxted | Director | Nov 1965 | 22 Oct 1998 | 1 other company |
| Caroline Maxted | Director | Apr 1968 | 20 May 2019 | None |
| Caroline Maxted | Secretary | Not published | 22 Oct 1998 | – |
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 company
- 1
- still active
- 1
In the full report: all 1 company, 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£29.8k
<1% from £29.8k
Cash at bank
£37.2k
+19% from £31.2k
Owed within a year
£21.2k
+11% from £19.2k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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.
Accounts filed at Companies House for company 03654232. 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
Maxted & Bareham Financial Services’s history from the FCA register and Companies House, newest first.
2024
4 March 2024
- Changed its registered name from "Maxted & Bareham Financial Services Ltd - U189"
FCA register
2019
12 January 2019
- Alan Edward Bareham stopped being a part-owner
Companies House
2016
6 April 2016
- Alan Edward Bareham became a part-owner (25–50% of shares)
- Caroline Maxted became a part-owner (25–50% of shares)
- Stephen Maxted became a part-owner (25–50% of shares)
Companies House
2003
3 March 2003
- Changed its registered name from "Maxted & Bareham Financial Services U189"
FCA register
1998
22 October 1998
- Incorporated at Companies House
Companies House
1992
27 August 1992
- Became an appointed representative
FCA register
In the full report: all 12 events
- All 12 events in its history (8 shown here)
- Every director appointment and resignation: 4
Firms like Maxted & Bareham Financial Services
Other firms of the same type (insurance broker), nearest first.
In St. Albans
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 Maxted & Bareham Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 12 events in its history
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Frequently asked questions about this firm
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Does Maxted & Bareham Financial Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk