Sapphire Cars Torbay Ltd

Reference number: 1051886

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Introducer appointed representative

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

Responsible principal firm

HOLMESDALE FINANCE LIMITED Reference number: 794742 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.
  • Sapphire Cars Torbay Ltd (FRN 1051886) introduces customers to HOLMESDALE FINANCE LIMITED (FRN 794742). Any regulated advice or arranging is done by the principal, not Sapphire Cars Torbay.
  • Example: if Sapphire Cars Torbay refers you to a financial adviser, the advice should come from the principal firm, not from Sapphire Cars Torbay 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.

In the full report: 3 background checks

  • When sapphire-cars.co.uk first appeared online, and whether it can receive email
  • What kind of line 07971 873054 is
  • Who else gives the postcode TQ1 4BA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Holmesdale Finance 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
14768735
Company status
Active
Company type
Private limited company
Incorporated
30 March 2023 (3 years old)
Registered office
Sapphire Cars, 187 Lymington Road, Torquay, Devon, TQ1 4BA, England
Nature of business
  • Retail trade of motor vehicle parts and accessories (SIC 45320)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Hart Lindsay Director Jan 1967 30 Mar 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£25.6k

−27% from £35.2k

Employees (average)

1

Same as 1

Owed within a year

£55.1k

+54% from £35.7k

Assets and liabilities

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 14768735. 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

Sapphire Cars Torbay’s history from the FCA register and Companies House, newest first.

2026

25 February 2026

  • Became an introducer appointed representative

FCA register

2023

30 March 2023

  • Incorporated at Companies House
  • Stephen Hart Lindsay took control (75–100% of shares)
  • Stephen Hart Lindsay appointed as a director

Companies House

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

Firms like Sapphire Cars Torbay

Other firms of the same type (car dealer), nearest first.

In Torquay

Pmc T/a Paignton Body Repair Centre LtdTorquayAppointed representativeCentral Garages (Torbay) LimitedTorquayAuthorisedD.p.s. (Sw) LimitedTorquayAuthorisedDavant Bikes LimitedTorquayAuthorisedDb Luxury Cars LimitedTorquayAuthorisedSignature Cars - Torbay LimitedTorquayAuthorised

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 Sapphire Cars Torbay

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Sapphire Cars Torbay Ltd FCA authorised?
Sapphire Cars Torbay Ltd (FRN 1051886) 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 Sapphire Cars Torbay?
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. Sapphire Cars Torbay Ltd (FRN 1051886) introduces customers to HOLMESDALE FINANCE LIMITED (FRN 794742). Any regulated advice or arranging is done by the principal, not Sapphire Cars Torbay. Example: if Sapphire Cars Torbay refers you to a financial adviser, the advice should come from the principal firm, not from Sapphire Cars Torbay 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 Sapphire Cars Torbay’s phone number and website?
The FCA register lists the phone number 07971 873054 and the website sapphire-cars.co.uk for Sapphire Cars Torbay. If you were given different contact details, use these to check with the firm before going any further.
Is Sapphire Cars Torbay a scam or clone?
Sapphire Cars Torbay 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 Sapphire Cars Torbay?
Protection works through Holmesdale Finance Limited, the principal firm responsible for Sapphire Cars Torbay's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sapphire Cars Torbay?
Companies House lists one person with significant control of Sapphire Cars Torbay: Mr Stephen Hart Lindsay (75–100% of shares).
Who runs Sapphire Cars Torbay?
Companies House lists one director of Sapphire Cars Torbay: Stephen Hart Lindsay.
How long has Sapphire Cars Torbay been in business?
The company was formed on 30 March 2023.
What do Sapphire Cars Torbay’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £25.6k (−27% from £35.2k).

Sources and links

The full report on Sapphire Cars Torbay Ltd

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