People and Business IFA Limited

Reference number: 622446

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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 pandbifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 546 1969 is
  • Who else gives the postcode L33 7TW
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Other names (1)

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

  • People and Business Independent Financial Advisers 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.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Making arrangements with a view to transactions in investments

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
08954170
Company status
Active
Company type
Private limited company
Incorporated
24 March 2014 (12 years old)
Registered office
Unit 5, Pride Point Ashcroft Road, Knowsley Industrial Park, Liverpool, L33 7TW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • 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
Steven John Speed Director Jul 1962 24 Mar 2014 3 other companies
Gaynor Speed Secretary Not published 3 Apr 2019 –

Other companies run by its director

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
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£692k

+1.7% from £681k

Cash at bank

£115k

+89% from £60.8k

Employees (average)

12

Same as 12

Owed within a year

£64.7k

+126% from £28.6k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 08954170. 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

People and Business IFA’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2019

3 April 2019

  • Michael O'Byrne stopped being a part-owner

Companies House

2016

6 April 2016

  • Michael O'Byrne became a part-owner (25–50% of shares)
  • Steven John Speed became a part-owner (25–50% of shares)

Companies House

2014

18 July 2014

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

FCA register

24 March 2014

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to People and Business IFA

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like People and Business IFA

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

In the Liverpool (L) postcode area

Acumen Financial Partnership LimitedBurscoughAuthorisedAffinity Financial Awareness LimitedLiverpoolAuthorisedAlpha Financial Management LimitedLiverpoolAuthorisedBeatties Financial ServicesLiverpoolAuthorisedBeyond Advice Group LtdLiverpoolAuthorisedBishopgate LimitedLiverpoolAuthorised

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 People and Business IFA

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is People and Business IFA Limited FCA authorised?
Yes, People and Business IFA Limited (FRN 622446) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2014 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is People and Business IFA’s phone number and website?
The FCA register lists the phone number 0151 546 1969 and the website pandbifa.co.uk for People and Business IFA. If you were given different contact details, use these to check with the firm before going any further.
Is People and Business IFA a scam or clone?
People and Business IFA 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 People and Business IFA?
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 People and Business IFA to the Financial Ombudsman Service, free of charge.
Who owns People and Business IFA?
Companies House lists one person with significant control of People and Business IFA: Mr Steven John Speed (25–50% of shares). Before that, it was controlled by Mr Michael O'Byrne.
Who runs People and Business IFA?
Companies House lists one director of People and Business IFA: Steven John Speed.
How long has People and Business IFA been in business?
The company was formed on 24 March 2014, and has held its current FCA authorisation since July 2014.
What do People and Business IFA’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £692k (+1.7% from £681k) and cash at bank of £115k (+89% from £60.8k).
Does People and Business IFA use any other names?
It trades as People and Business Independent Financial Advisers.

Sources and links

The full report on People and Business IFA Limited

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