T.b.i. Financial Services Ltd.: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 1994
Accounts filed up to 30 April 2026

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.

Website

tbifinancialservices.co.uk (opens in a new tab)
Phone number

0118 931 3800
Address

T B I Financial Services Ltd, 185 Elgar Road, Reading, RG2 0DL, United Kingdom

In the full report: 3 background checks

When tbifinancialservices.co.uk first appeared online, and whether it can receive email
What kind of line 0118 931 3800 is
Who else gives the postcode RG2 0DL

FCA permissions and consumer protection

Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
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 (4 permissions)

Administering a regulated mortgage contract
Debt-collecting
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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: 02916402 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 7 April 1994 (32 years old)
Registered office: 1st Floor, The Robert Cort Building, Elgar Road South, Reading, RG2 0DL
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David Frank Donaldson Jones	Director	Jul 1948	7 Apr 1994	2 other companies
Kevin Hugh Edgar	Director	Dec 1962	25 Mar 1999	1 other company
Michael Alan Woodall	Director	Mar 1947	7 May 1999	24 other companies
David Frank Donaldson Jones	Secretary	Not published	7 Apr 1994	2 other companies

Other companies run by these 3 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: 26
closed down: 17
went insolvent: 2

In the full report: all 26 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
The 2 that went into liquidation or administration
The one on the FCA register
The 1 company these 3 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 April 2026Full accountsAudited

Net assets

£14.5m

+11% from £13.0m

Cash at bank

£4.91m

+14% from £4.30m

Owed within a year

£1.24m

+56% from £795k

No turnover or profit for the year to 30 April 2026: the accounts print them but do not tag them. The last tagged figures are £5.73m turnover and £1.19m profit, for the year to 30 April 2023.

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2023 to 2026
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 02916402. 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

T.b.i. Financial Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (16)

2020

21 December 2020

Changed its registered name from "TBI Financial Services Ltd"

FCA register

2017

30 January 2017

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2016

6 April 2016

David Frank Donaldson Jones took control (75–100% of shares)

Companies House

1994

7 April 1994

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (5 shown here)
Every director appointment and resignation: 9

Firms connected to T.b.i. Financial Services

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like T.b.i. Financial Services

Other firms of the same type (debt collector), nearest first.

In the Reading (RG) postcode area

Credit Link Account Recovery Solutions LimitedBasingstokeAuthorised Equivo LimitedBracknellAuthorised

Elsewhere in the UK

Experian Refi Outsource Services LimitedNottinghamAuthorised Barclays Security Trustee LimitedLondonAuthorised Funding Circle LtdLondonAuthorised Paymentsense LimitedLondonAuthorised

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 T.b.i. Financial Services

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

26 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 16 events in its history

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Frequently asked questions about this firm

Is T.b.i. Financial Services Ltd. FCA authorised?

Yes, T.b.i. Financial Services Ltd. (FRN 715640) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2017 and works as a debt collector. The FCA has placed no limits on its permissions.

What is T.b.i. Financial Services’ phone number and website?

The FCA register lists the phone number 0118 931 3800 and the website tbifinancialservices.co.uk for T.b.i. Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is T.b.i. Financial Services a scam or clone?

T.b.i. Financial Services 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 T.b.i. Financial Services?

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 T.b.i. Financial Services to the Financial Ombudsman Service, free of charge.

Who owns T.b.i. Financial Services?

Companies House lists one person with significant control of T.b.i. Financial Services: Mr David Frank Donaldson Jones (75–100% of shares).

Who runs T.b.i. Financial Services?

Companies House lists 3 directors of T.b.i. Financial Services: David Frank Donaldson Jones, Kevin Hugh Edgar and Michael Alan Woodall.

How long has T.b.i. Financial Services been in business?

The company was formed on 7 April 1994, and has held its current FCA authorisation since January 2017.

What do T.b.i. Financial Services’ latest accounts show?

Its latest accounts, to 30 April 2026, show net assets of £14.5m (+11% from £13.0m) and cash at bank of £4.91m (+14% from £4.30m).