Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 30 September 2025
Responsible principal firm
Bizl Limited Reference number: 784499 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- The Commercial Team Ltd (FRN 1003888) is an AR of Bizl Limited (FRN 784499). When you use The Commercial Team's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from The Commercial Team, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- 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.
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No website on the FCA register
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Phone number
-
Address
4 Stirling Court Yard, Stirling Way, Borehamwood, Hertfordshire, WD6 2FX, United Kingdom
In the full report: 2 background checks
- What kind of line 07815 284843 is
- Who else gives the postcode WD6 2FX
Other names (1)
If you were contacted under any of these names, it is this firm.
- BIZL Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Bizl 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, freeYou 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
- 15125493 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 September 2023 (3 years old)
- Registered office
- Unit 4 Stirling Court Yard, Stirling Way, Borehamwood, WD6 2FX, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Marian Bridget O'Connor | Director | Dec 1973 | 8 Sep 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£731
−97% from £24.6k
Cash at bank
£4,570
Up £3,848 from £722
Employees (average)
1
Up 1 from 0
Owed within a year
£30.0k
No earlier figure to compare
Net assets
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 15125493. 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
The Commercial Team’s history from the FCA register and Companies House, newest first.
2023
4 November 2023
- Became an appointed representative
- Began trading as "BIZL"
FCA register
8 September 2023
- Incorporated at Companies House
- Marian Bridget O'Connor became the majority owner (50–75% of shares)
- Marian Bridget O'connor appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to The Commercial Team
Other FCA-listed firms that share a director, phone number or address with The Commercial Team. 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
Firms like The Commercial Team
Other firms of the same type (credit broker), nearest first.
In Borehamwood
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 The Commercial Team
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
- 2 background checks on its contact details
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for The Commercial Team?
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Is The Commercial Team a scam or clone?
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Who owns The Commercial Team?
Who runs The Commercial Team?
How long has The Commercial Team been in business?
What do The Commercial Team’s latest accounts show?
Does The Commercial Team use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk