PBFS Commercial Limited

Reference number: 985010

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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

Optimum Commercial Solutions Ltd Reference number: 808754 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.
  • PBFS Commercial Limited (FRN 985010) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use PBFS Commercial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PBFS Commercial, 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

    07702 889146

  • Address

    99, Walmgate, York, YO1 9UA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07702 889146 is
  • Who else gives the postcode YO1 9UA
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Other names (1)

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

  • Feel Good Commercial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Optimum Commercial Solutions 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 name
PBFS COMMERCIAL LTD
Company number
14258496
Company status
Active
Company type
Private limited company
Incorporated
27 July 2022 (4 years old)
Registered office
101 Walmgate, York, YO1 9UA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Robert Preston Director Aug 1980 27 Jul 2022 3 other companies
James Thomas Kear Director Apr 1988 15 Aug 2022 5 other companies

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
8
closed down
3
is FCA-registered
1

In the full report: all 8 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£3,071

−215% from £2,660

Employees (average)

0

Same as 0

Owed within a year

£5,580

+37% from £4,079

Net assets are negative: on its last balance sheet the company owed £3,071 more than it owned.

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 14258496. 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

PBFS Commercial’s history from the FCA register and Companies House, newest first.

Key events (3) All events (8)

2022

10 October 2022

  • Became an appointed representative

FCA register

27 July 2022

  • Incorporated at Companies House
  • Pbah Limited took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (3 shown here)
  • Every director appointment and resignation: 4
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Firms connected to PBFS Commercial

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

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like PBFS Commercial

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

In York

York Health Insurance Services LtdYorkAppointed representativeAnderton McClementsYorkAppointed representativeBoroughbridge Insurance Brokers LimitedYorkAppointed representativecoverbaloo LimitedYorkAppointed representativeE J Richardson, C A Patton, L Towse, M D K Hadfield & J M FosterYorkAppointed representativeEntertainment and Leisure Insurance Services LimitedYorkAppointed 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 PBFS Commercial

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

  • 8 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is PBFS Commercial Limited FCA authorised?
PBFS Commercial Limited (FRN 985010) 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 PBFS Commercial?
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. PBFS Commercial Limited (FRN 985010) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use PBFS Commercial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PBFS Commercial, 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 PBFS Commercial’s phone number?
The FCA register lists the phone number 07702 889146 for PBFS Commercial. If you were given different contact details, use these to check with the firm before going any further.
Is PBFS Commercial a scam or clone?
PBFS Commercial 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 PBFS Commercial?
Protection works through Optimum Commercial Solutions Ltd, the principal firm responsible for PBFS Commercial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns PBFS Commercial?
PBFS Commercial is owned by Pbah Limited, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board and held through a firm, since 27 July 2022.
Who runs PBFS Commercial?
Companies House lists 2 directors of PBFS Commercial: Ian Robert Preston and James Thomas Kear.
How long has PBFS Commercial been in business?
The company was formed on 27 July 2022.
What do PBFS Commercial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£3,071 (−215% from £2,660).
Does PBFS Commercial use any other names?
It trades as Feel Good Commercial.

Sources and links

The full report on PBFS Commercial Limited

£19.99 · Instant PDF download

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