St James' Safe Deposit Co. Limited: FCA regulated?

On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

Registered for 18 years
No FCA actions
Active company since 1970
Accounts filed up to 31 December 2025

What does this mean?

Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

0161 236 4177
Address

77 Oxford Street, Manchester, Lancashire, M1 6EG, United Kingdom

In the full report: 2 background checks

What kind of line 0161 236 4177 is
Who else gives the postcode M1 6EG

Past FCA permissions and consumer protection

Money-laundering registration only
This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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 name: ST.JAMES'S SAFE DEPOSIT COMPANY LIMITED
Company number: 00981693 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 June 1970 (56 years old)
Registered office: 77 Oxford Street, Manchester, M1 6EG
Nature of business: Private security activities (SIC 80100)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Amanda Jeffery Williams-Thomas	Director	Mar 1970	5 Aug 2003	2 other companies
Leysa Margaret Noble	Director	Aug 1971	1 Jan 2013	6 other companies
Nigel Jeffery Randle Kay	Director	Sep 1939	Not published	3 other companies
Margaret Rose Kay	Director	Mar 1942	Not published	1 other company
Amanda Jeffery Williams-Thomas	Secretary	Not published	24 Sep 2026	–

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 companies: 10
closed down: 4
run together: 2

In the full report: all 10 companies, 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
The 2 companies these 4 directors run together
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£654k

+130% from £284k

Cash at bank

£921k

+112% from £435k

Owed within a year

£901k

No earlier figure to compare

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £1.01m turnover and £404k profit, for the year to 31 December 2021.

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 to 2025
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.

Accounts filed at Companies House for company 00981693. 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

St James' Safe Deposit Co.’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

6 April 2016

Margaret Rose Kay became a part-owner (25–50% of shares)
Nigel Jeffery Randle Kay became a part-owner (25–50% of shares)

Companies House

2008

22 January 2008

Registered with the FCA

FCA register

1970

10 June 1970

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 4

Get the full report on St James' Safe Deposit Co.

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

10 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is St James' Safe Deposit Co. Limited FCA authorised?

St James' Safe Deposit Co. Limited (FRN 476901) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

What is St James' Safe Deposit Co.’s phone number?

The FCA register lists the phone number 0161 236 4177 for St James' Safe Deposit Co.. If you were given different contact details, use these to check with the firm before going any further.

Is St James' Safe Deposit Co. a scam or clone?

St James' Safe Deposit Co. is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with St James' Safe Deposit Co.?

Money you hand to St James' Safe Deposit Co. is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Who owns St James' Safe Deposit Co.?

Companies House lists 2 people with significant control of St James' Safe Deposit Co.: Mrs Margaret Rose Kay (25–50% of shares) and Mr Nigel Jeffery Randle Kay (25–50% of shares).

Who runs St James' Safe Deposit Co.?

Companies House lists 4 directors of St James' Safe Deposit Co.: Amanda Jeffery Williams-Thomas, Leysa Margaret Noble, Nigel Jeffery Randle Kay and Margaret Rose Kay.

How long has St James' Safe Deposit Co. been in business?

The company was formed on 10 June 1970.

What do St James' Safe Deposit Co.’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £654k (+130% from £284k) and cash at bank of £921k (+112% from £435k).