Top Service Limited

Reference number: 698331

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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

  • When top-service.co.uk first appeared online, and whether it can receive email
  • What kind of line 01527 518800 is
  • Who else gives the postcode B98 0SD
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Other names (3)

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

  • TS Collections Trading name
  • TS Legal Trading name
  • TS Pre-Legal Recoveries Trading name

Past FCA permissions and consumer protection

  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Permissions on the FCA record

  • Lend or arrange credit
Show FCA detail (2 permissions)
  • Debt-collecting
  • Providing Credit References

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
03662973
Company status
Active
Company type
Private limited company
Incorporated
5 November 1998 (27 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities of collection agencies (SIC 82911)
  • Activities of credit bureaus (SIC 82912)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Halligan Director Dec 1947 5 Nov 1998 3 other companies
Lisa Cardus Director Jul 1969 5 Nov 1998 4 other companies
Matthew Ricketts Director Jun 1978 9 Jul 2003 None
Philip John King Director Aug 1956 1 Jul 2024 9 other companies
Laura May Humphries Director May 1986 12 Jun 2026 None
Lauren Rose Woolley Director Jun 1997 9 Jul 2026 None

Other companies run by these 6 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
13
closed down
3
is FCA-registered
1

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 3 companies these 6 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£398k

−36% from £617k

Cash at bank

£269k

−53% from £568k

Employees (average)

5

Same as 5

Owed within a year

£572k

−9.9% from £635k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 03662973. 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

Top Service’s history from the FCA register and Companies House, newest first.

Key events (5) All events (19)

2018

7 July 2018

  • Kevin Halligan Ltd became a part-owner (25–50% of shares)

Companies House

2016

28 April 2016

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

FCA register

6 April 2016

  • Top Service (Holdings) Ltd became the majority owner (50–75% of shares)

Companies House

1998

5 November 1998

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (5 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Top Service

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

connected firms
3
share its postcode
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Top Service

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

In the Birmingham (B) postcode area

FIS Payments (UK) LimitedBirminghamAuthorisedGMS Recovery Services LTDOldburyAuthorisedSAF Leasing LimitedTamworthAuthorisedShire Leasing PLCTamworthAuthorisedShire Recoveries LimitedTamworthAuthorised

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 Top Service

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 19 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Top Service Limited FCA authorised?
Yes, Top Service Limited (FRN 698331) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Top Service’s phone number and website?
The FCA register lists the phone number 01527 518800 and the website top-service.co.uk for Top Service. If you were given different contact details, use these to check with the firm before going any further.
Is Top Service a scam or clone?
Top Service 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 Top Service?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Top Service handles your money, so check the specific product before you commit. You can also refer complaints about Top Service to the Financial Ombudsman Service, free of charge.
Who owns Top Service?
Top Service is owned by Top Service (Holdings) Ltd, which holds 50–75% of shares, 25–50% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Top Service?
Companies House lists 6 directors of Top Service: Kevin Halligan, Lisa Cardus, Matthew Ricketts, Philip John King, Laura May Humphries and Lauren Rose Woolley.
How long has Top Service been in business?
The company was formed on 5 November 1998, and has held its current FCA authorisation since April 2016.
What do Top Service’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £398k (−36% from £617k) and cash at bank of £269k (−53% from £568k).
Does Top Service use any other names?
It trades as TS Collections, TS Legal and TS Pre-Legal Recoveries.

Sources and links

The full report on Top Service Limited

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