N&D Tools Ltd

Reference number: 828069

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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.

  • No website on the FCA register

  • Phone number

    07790 268659

  • Address

    8 The Slade, Clophill, Bedford, Bedfordshire, MK45 4BZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07790 268659 is
  • Who else gives the postcode MK45 4BZ
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Other names (1)

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

  • Mac Tools Trading name

FCA permissions and consumer protection

  • 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 (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
11557964
Company status
Active
Company type
Private limited company
Incorporated
7 September 2018 (8 years old)
Registered office
First Floor, 28 Whitehorse Street, Baldock, Hertfordshire, SG7 6QQ, England
Nature of business
  • Wholesale of hardware, plumbing and heating equipment and supplies (SIC 46740)

Directors and company secretaries

Name Role Born Appointed Other companies
Deborah Ann Gipp Director Apr 1968 7 Sep 2018 1 other company
Neil Darren Gipp Director Feb 1974 7 Sep 2018 1 other company

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
run together
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
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£135k

−6.6% from £145k

Cash at bank

£97.1k

−6.9% from £104k

Employees (average)

2

Same as 2

Owed within a year

£101k

−24% from £133k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 11557964. 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

N&D Tools’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2018

21 December 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

7 September 2018

  • Incorporated at Companies House
  • Deborah Ann Gipp became a part-owner (25–50% of shares)
  • Deborah Ann Gipp gave up control
  • Deborah Ann Gipp took control (75–100% of shares)
  • Neil Darren Gipp became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms like N&D Tools

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

In Bedford

BFS Member Services LimitedBedfordAuthorisedJohn S K EvansBedfordAuthorisedTraffords LimitedBedfordAuthorisedAndersen Ev PLCBedfordAuthorisedBradley M LimitedBedfordAuthorisedFleet-Chapman M LimitedBedfordAuthorised

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 N&D Tools

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

Is N&D Tools Ltd FCA authorised?
Yes, N&D Tools Ltd (FRN 828069) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is N&D Tools’ phone number?
The FCA register lists the phone number 07790 268659 for N&D Tools. If you were given different contact details, use these to check with the firm before going any further.
Is N&D Tools a scam or clone?
N&D Tools 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 N&D Tools?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how N&D Tools handles your money, so check the specific product before you commit. You can also refer complaints about N&D Tools to the Financial Ombudsman Service, free of charge.
Who owns N&D Tools?
Companies House lists 2 people with significant control of N&D Tools: Mr Neil Darren Gipp (25–50% of shares) and Mrs Deborah Ann Gipp (25–50% of shares).
Who runs N&D Tools?
Companies House lists 2 directors of N&D Tools: Deborah Ann Gipp and Neil Darren Gipp.
How long has N&D Tools been in business?
The company was formed on 7 September 2018, and has held its current FCA authorisation since December 2018.
What do N&D Tools’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £135k (−6.6% from £145k) and cash at bank of £97.1k (−6.9% from £104k).
Does N&D Tools use any other names?
It trades as Mac Tools.

Sources and links

The full report on N&D Tools Ltd

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