Tide Opco Limited
Reference number: 1015471
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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 2024
- Accounts filed up to 30 June 2025
- On its latest accounts it owed £381k more than it owned
Responsible principal firm
ADVENT SOLUTIONS MANAGEMENT LIMITED Reference number: 308751 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.
- Tide Opco Limited (FRN 1015471) is an AR of ADVENT SOLUTIONS MANAGEMENT LIMITED (FRN 308751). When you use Tide Opco's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Tide Opco, 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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Phone number
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Address
71 Fenchurch Street, London, City Of London, EC3M 4BS, United Kingdom
In the full report: 3 background checks
- When tideinsurance.com first appeared online, and whether it can receive email
- What kind of line 07957 234074 is
- Who else gives the postcode EC3M 4BS
Other names (1)
If you were contacted under any of these names, it is this firm.
- Tide Insurance MGA Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Advent Solutions Management 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
- 15574343 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 March 2024 (2 years old)
- Registered office
- 70 Fenchurch Street, London, Greater London, EC3M 4BR, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Ian Raymond Hoy | Director | Jul 1974 | 18 Mar 2024 | 1 other company |
| Timothy Andrew Hardy Quayle | Director | Oct 1983 | 11 Dec 2024 | 15 other companies |
| Gurbaj Singh Pawar | Director | Sep 1989 | 23 Jul 2026 | 1 other company |
| Ian Raymond Hoy | Secretary | Not published | 11 Oct 2024 | – |
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
- 16
- closed down
- 4
- went insolvent
- 1
In the full report: all 16 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 one that went into liquidation or administration
- The 5 on the FCA register
- The 1 company these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£381k
No earlier figure to compare
Employees (average)
4
No earlier figure to compare
Owed within a year
£1.10m
No earlier figure to compare
Total equity is negative: on its last balance sheet the company owed £381k more than it owned.
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 15574343. 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
Tide Opco’s history from the FCA register and Companies House, newest first.
2024
2 July 2024
- Became an appointed representative
FCA register
18 March 2024
- Incorporated at Companies House
- Tide Group Holdings Ltd took control (75–100% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (3 shown here)
- Every director appointment and resignation: 5
Firms connected to Tide Opco
Other FCA-listed firms that share a director, phone number or address with Tide Opco. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 5
In the full report: all 5 connected firms, named
- How each is linked: shared directors (5)
- Who links each one: the named directors, with dates
Firms like Tide Opco
Other firms of the same type (insurance broker), nearest first.
In London
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 Tide Opco
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 16 other companies its directors have run, named
- 3 background checks on its contact details
- All 9 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
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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