SBDL Limited

Reference number: 997357

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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

Covertech Limited Reference number: 976493 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.
  • SBDL Limited (FRN 997357) introduces customers to Covertech Limited (FRN 976493). Any regulated advice or arranging is done by the principal, not SBDL.
  • Example: if SBDL refers you to a financial adviser, the advice should come from the principal firm, not from SBDL 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 subdial.co first appeared online, and whether it can receive email
  • What kind of line 020 8068 2930 is
  • Who else gives the postcode EC1M 3JP
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Other names (1)

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

  • Subdial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Covertech 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
10836256
Company status
Active
Company type
Private limited company
Incorporated
26 June 2017 (9 years old)
Registered office
49-51 Farringdon Rd, Lamplighter Works, G & Lg Floor, London, EC1M 3JP, England
Nature of business
  • Other retail sale not in stores, stalls or markets (SIC 47990)
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Ross Crane Director Jul 1989 26 Jun 2017 None
Christy Loane Davis Director Aug 1993 1 Dec 2017 None
John Antony Cleeve Ayton Director Nov 1961 1 Sep 2020 1 other company
Nick Evans Director Mar 1967 24 Nov 2021 None

Other companies run by these 4 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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 January 2025Full accountsAudited

Profit before tax

−£692k

Not compared: the previous accounts cover a different length of time

Net assets

£3.52m

+3% from £3.42m

Cash at bank

£2.26m

+15% from £1.96m

Assets and liabilities

In the full report: all 5 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.

Accounts filed at Companies House for company 10836256. 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

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

Key events (5) All events (10)

2023

5 June 2023

  • Became an introducer appointed representative

FCA register

2020

31 August 2020

  • Christy Loane Davis stopped being a part-owner

Companies House

2019

15 February 2019

  • Christy Loane Davis became a part-owner (25–50% of shares)

Companies House

2017

26 June 2017

  • Incorporated at Companies House
  • Ross Crane became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Sbdl

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Get the full report on Sbdl

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is SBDL Limited FCA authorised?
SBDL Limited (FRN 997357) 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 Sbdl?
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. SBDL Limited (FRN 997357) introduces customers to Covertech Limited (FRN 976493). Any regulated advice or arranging is done by the principal, not Sbdl. Example: if Sbdl refers you to a financial adviser, the advice should come from the principal firm, not from Sbdl 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 Sbdl’s phone number and website?
The FCA register lists the phone number 020 8068 2930 and the website subdial.co for Sbdl. If you were given different contact details, use these to check with the firm before going any further.
Is Sbdl a scam or clone?
Sbdl 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 Sbdl?
Protection works through Covertech Limited, the principal firm responsible for Sbdl's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sbdl?
Companies House lists one person with significant control of Sbdl: Mr Ross Crane (25–50% of shares). Before that, it was controlled by Mr Christy Loane Davis.
Who runs Sbdl?
Companies House lists 4 directors of Sbdl: Ross Crane, Christy Loane Davis, John Antony Cleeve Ayton and Nick Evans.
How long has Sbdl been in business?
The company was formed on 26 June 2017.
What do Sbdl’s latest accounts show?
Its latest accounts, to 31 January 2025, show profit before tax of −£692k (not compared: the previous accounts cover a different length of time) and net assets of £3.52m (+3% from £3.42m).
Does Sbdl use any other names?
It trades as Subdial.

Sources and links

The full report on SBDL Limited

£19.99 · Instant PDF download

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