Robert Sterling Financial Solutions Ltd

Reference number: 584028

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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

Mortgage Advice Bureau Limited Reference number: 455545 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.
  • Robert Sterling Financial Solutions Ltd (FRN 584028) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Robert Sterling Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Robert Sterling Financial Solutions, 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

    020 8363 2525

  • Address

    First Floor Office, Unit C2, The Chase, Foxholes Business Park, Hertford, Hertfordshire, SG13 7NN, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8363 2525 is
  • Who else gives the postcode SG13 7NN
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Other names (10)

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

  • Blackfriars Mortgage & Financial Services Trading name
  • GD Financial Trading name
  • Howard Financial Services Trading name
  • Mortgage 4 Trading name
  • Mortgage Advice Bureau Trading name
  • Mortgage Advice Gallery Trading name
  • Personal Investment Planning Trading name
  • Robert Sterling Trading name
  • Stonecastle Associates Trading name
  • Robert Sterling Financial Solutions Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau 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
08069438
Company status
Active
Company type
Private limited company
Incorporated
15 May 2012 (14 years old)
Registered office
Suite 222 Cuffley Point Cuffley Place, Sopers Road, Cuffley, Hertfordshire, EN6 4RY, 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
Nino Panayiotou Athanasiou Director May 1965 15 May 2012 7 other companies
Colin James Bell Director Jan 1963 15 May 2012 7 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
7
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
  • The 6 companies these 2 directors run together
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Filed accounts and finances

Year to 30 April 2026Abridged accountsNot audited

Net assets

£662k

+4.1% from £636k

Cash at bank

£538k

+11% from £485k

Employees (average)

10

+11% from 9

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
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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 08069438. 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

Robert Sterling Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (17)

2023

15 November 2023

  • Changed its registered name from "Robert Sterling Financial Solutions Limited"

FCA register

2016

16 May 2016

  • Colin James Bell became a part-owner (25–50% of shares)
  • Nino Panayiotou Athanasiou became a part-owner (25–50% of shares)

Companies House

2012

28 June 2012

  • Became an appointed representative

FCA register

15 May 2012

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Robert Sterling Financial Solutions

Other FCA-listed firms that share a director, phone number or address with Robert Sterling Financial Solutions. 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
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Firms like Robert Sterling Financial Solutions

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

In Hertford

IMS Brokers LtdHertfordAppointed representativeFoxholes Veterinary Clinic LimitedHertfordAppointed representativeMeader Risk Solutions LimitedHertfordAppointed representativeI.M.S. (London) LimitedHertfordAuthorisedKinetic Insurance Brokers LimitedHertfordAuthorised

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 Robert Sterling Financial Solutions

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
  • 7 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Robert Sterling Financial Solutions Ltd FCA authorised?
Robert Sterling Financial Solutions Ltd (FRN 584028) 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 Robert Sterling Financial Solutions?
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. Robert Sterling Financial Solutions Ltd (FRN 584028) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Robert Sterling Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Robert Sterling Financial Solutions, 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 Robert Sterling Financial Solutions’ phone number?
The FCA register lists the phone number 020 8363 2525 for Robert Sterling Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Robert Sterling Financial Solutions a scam or clone?
Robert Sterling Financial Solutions 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 Robert Sterling Financial Solutions?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Robert Sterling Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Robert Sterling Financial Solutions?
Companies House lists 2 people with significant control of Robert Sterling Financial Solutions: Mr Nino Panayiotou Athanasiou (25–50% of shares) and Mr Colin James Bell (25–50% of shares).
Who runs Robert Sterling Financial Solutions?
Companies House lists 2 directors of Robert Sterling Financial Solutions: Nino Panayiotou Athanasiou and Colin James Bell.
How long has Robert Sterling Financial Solutions been in business?
The company was formed on 15 May 2012.
What do Robert Sterling Financial Solutions’ latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £662k (+4.1% from £636k) and cash at bank of £538k (+11% from £485k).
Does Robert Sterling Financial Solutions use any other names?
It trades as Blackfriars Mortgage & Financial Services, GD Financial, Howard Financial Services, Mortgage 4 and Mortgage Advice Bureau, and 4 more names. It has previously used the name Robert Sterling Financial Solutions Limited.

Sources and links

The full report on Robert Sterling Financial Solutions Ltd

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