Phixflow Ltd: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 3 years
Protected through the principal
No FCA actions
Active company since 2004
Accounts filed up to 31 March 2026

Responsible principal firm

SME HCI Limited Reference number: 626422 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Phixflow Ltd (FRN 987339) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Phixflow.
Example: if Phixflow refers you to a financial adviser, the advice should come from the principal firm, not from Phixflow itself.
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

07779 171301
Address

St. Johns Innovation Centre, Cowley Road, Cambridge, Cambridgeshire, CB4 0WS, United Kingdom

In the full report: 2 background checks

What kind of line 07779 171301 is
Who else gives the postcode CB4 0WS

FCA permissions and consumer protection

Protection through the principal firm
Protection works through SME HCI 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, 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 number: 05065889 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 March 2004 (22 years old)
Registered office: St. Johns Innovation Centre, Cowley Road, Cambridge, CB4 0WS
Nature of business: Business and domestic software development (SIC 62012)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Timothy Humphries	Director	Nov 1964	8 Mar 2004	2 other companies
David Andrew Coales	Director	Dec 1963	8 Mar 2004	None
Sarah Bryony Vigus	Director	May 1983	8 Jan 2025	None
Andrew James Stoddart	Director	Oct 1979	8 Jan 2025	None
James Edward Bywater	Director	Aug 1993	8 Jan 2025	None
Thomas Duncan Swindells	Director	Oct 1982	8 Jan 2025	None
Andrew Timothy Humphries	Secretary	Not published	8 Mar 2004	2 other companies

Other companies run by these 6 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: 2
closed down: 1
still active: 1

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 March 2026Abridged accountsNot audited

Net assets

£504k

−8% from £548k

Cash at bank

£567k

+55% from £366k

Employees (average)

19

−14% from 22

Owed within a year

£439k

+46% from £301k

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.

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

Accounts filed at Companies House for company 05065889. 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

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

Key events (4) All events (10)

2022

18 November 2022

Became an introducer appointed representative

FCA register

2016

6 April 2016

Andrew Timothy Humphries became a part-owner (25–50% of shares)
David Andrew Coales became a part-owner (25–50% of shares)

Companies House

2004

8 March 2004

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (4 shown here)
Every director appointment and resignation: 6

Firms connected to Phixflow

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Get the full report on Phixflow

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

2 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 10 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Phixflow Ltd FCA authorised?

Phixflow Ltd (FRN 987339) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Phixflow?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Phixflow Ltd (FRN 987339) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Phixflow. Example: if Phixflow refers you to a financial adviser, the advice should come from the principal firm, not from Phixflow itself. 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 Phixflow’s phone number?

The FCA register lists the phone number 07779 171301 for Phixflow. If you were given different contact details, use these to check with the firm before going any further.

Is Phixflow a scam or clone?

Phixflow 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 Phixflow?

Protection works through SME HCI Limited, the principal firm responsible for Phixflow's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Phixflow?

Companies House lists 2 people with significant control of Phixflow: Andrew Timothy Humphries (25–50% of shares) and Mr David Andrew Coales (25–50% of shares).

Who runs Phixflow?

Companies House lists 6 directors of Phixflow: Andrew Timothy Humphries, David Andrew Coales, Sarah Bryony Vigus, Andrew James Stoddart, James Edward Bywater and Thomas Duncan Swindells.

How long has Phixflow been in business?

The company was formed on 8 March 2004.

What do Phixflow’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £504k (−8% from £548k) and cash at bank of £567k (+55% from £366k).