Step Change Outsourcing Limited

Reference number: 932344

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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, 1 thing worth a closer look

  • When stepchangeoutsourcing.co.uk first appeared online, and whether it can receive email
  • What kind of line 01438 989234 is
  • Who else gives the postcode SG1 2DY
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Other names (3)

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

  • EE Hertfordshire Trading name
  • Safe House Insurance Brokers Trading name
  • The Offer Hub Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
06330387
Company status
Active
Company type
Private limited company
Incorporated
1 August 2007 (19 years old)
Registered office
C/O Fujitsu Ste 04, Cavendish Road, Stevenage, Hertfordshire, SG1 2DY, England
Nature of business
  • Other telecommunications activities (SIC 61900)
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Declan Luke Shilton Director May 1970 28 Aug 2009 3 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
3
closed down
2
still active
1

In the full report: all 3 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Net assets

£1.99m

+132% from £857k

Cash at bank

£960k

+642% from £129k

Owed within a year

£2.03m

+29% from £1.57m

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
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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 06330387. 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

Step Change Outsourcing’s history from the FCA register and Companies House, newest first.

Key events (11) All events (19)

2021

11 January 2021

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2020

31 December 2020

  • Sng (Yorkshire) Limited stopped being a part-owner

Companies House

19 August 2020

  • Became authorised by the FCA

FCA register

2019

7 March 2019

  • Declan Luke Shilton stopped being the majority owner
  • Gwyn Dewi Jones stopped being a part-owner
  • Lafoos Holdings Limited took control (75–100% of shares)
  • Sng (Yorkshire) Limited became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Declan Luke Shilton became the majority owner (50–75% of shares)
  • Gwyn Dewi Jones became a part-owner (25–50% of shares)

Companies House

2007

1 August 2007

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (11 shown here)
  • Every director appointment and resignation: 3
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Firms like Step Change Outsourcing

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

In Stevenage

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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 Step Change Outsourcing

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is Step Change Outsourcing Limited FCA authorised?
Yes, Step Change Outsourcing Limited (FRN 932344) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2020 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Step Change Outsourcing’s phone number and website?
The FCA register lists the phone number 01438 989234 and the website stepchangeoutsourcing.co.uk for Step Change Outsourcing. If you were given different contact details, use these to check with the firm before going any further.
Is Step Change Outsourcing a scam or clone?
Step Change Outsourcing 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 Step Change Outsourcing?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Step Change Outsourcing to the Financial Ombudsman Service, free of charge.
Who owns Step Change Outsourcing?
Step Change Outsourcing is owned by Lafoos Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 7 March 2019. Before that, it was controlled by Mr Declan Luke Shilton, Mr Gwyn Dewi Jones and Sng (Yorkshire) Limited.
Who runs Step Change Outsourcing?
Companies House lists one director of Step Change Outsourcing: Declan Luke Shilton.
How long has Step Change Outsourcing been in business?
The company was formed on 1 August 2007, and has held its current FCA authorisation since August 2020.
What do Step Change Outsourcing’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1.99m (+132% from £857k) and cash at bank of £960k (+642% from £129k).
Does Step Change Outsourcing use any other names?
It trades as EE Hertfordshire, Safe House Insurance Brokers and The Offer Hub.

Sources and links

The full report on Step Change Outsourcing Limited

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