Piplo Ltd

Reference number: 968845

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Piplo Ltd (FRN 968845) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Piplo's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Piplo, 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

    07919 577888

  • Address

    20E Bridge Road, Park Gate, Southampton, SO31 7GE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07919 577888 is
  • Who else gives the postcode SO31 7GE
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Other names (1)

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

  • Piplo Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
12195184
Company status
Active
Company type
Private limited company
Incorporated
9 September 2019 (7 years old)
Registered office
B6000 Langstone Park Langstone Road, Havant, Hampshire, PO9 1SA, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Oliver Joseph Warren Director Nov 1982 9 Sep 2019 4 other companies

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
4
closed down
1
still active
3

In the full report: all 4 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
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

−£7,741

Up £5,093 from −£12.8k

Cash at bank

£710

−56% from £1,632

Employees (average)

1

Same as 1

Owed within a year

£25.0k

+21% from £20.7k

Net assets are negative: on its last balance sheet the company owed £7,741 more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 12195184. 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

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

2022

28 January 2022

  • Became an appointed representative
  • Began trading as "Piplo Mortgages"

FCA register

2019

9 September 2019

  • Incorporated at Companies House
  • Oliver Joseph Warren took control (75–100% of shares)
  • Oliver Joseph Warren appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Piplo

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Southampton (SO) postcode area

John Charcol Mortgages LtdSouthamptonAppointed representativeWisely Financial Services LimitedSouthamptonAppointed representativeAcross the Market Mortgages LimitedSouthamptonAppointed representativeAlbion Forest LimitedSouthamptonAppointed representativeAnchor Financial Advisory LimitedSouthamptonAppointed representativeApple Tree Mortgage Services LtdSouthamptonAppointed 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 Piplo

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

  • 4 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Piplo Ltd FCA authorised?
Piplo Ltd (FRN 968845) 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 Piplo?
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. Piplo Ltd (FRN 968845) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Piplo's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Piplo, 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 Piplo’s phone number?
The FCA register lists the phone number 07919 577888 for Piplo. If you were given different contact details, use these to check with the firm before going any further.
Is Piplo a scam or clone?
Piplo 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 Piplo?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Piplo's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Piplo?
Companies House lists one person with significant control of Piplo: Mr Oliver Joseph Warren (75–100% of shares).
Who runs Piplo?
Companies House lists one director of Piplo: Oliver Joseph Warren.
How long has Piplo been in business?
The company was formed on 9 September 2019.
What do Piplo’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£7,741 (up £5,093 from −£12.8k) and cash at bank of £710 (−56% from £1,632).
Does Piplo use any other names?
It trades as Piplo Mortgages.

Sources and links

The full report on Piplo Ltd

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