Topaz Panel Management Limited

Reference number: 977626

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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.

Responsible principal firm

CRYSTAL MORTGAGES LIMITED Reference number: 303761 Authorised 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.
  • Topaz Panel Management Limited (FRN 977626) is an AR of CRYSTAL MORTGAGES LIMITED (FRN 303761). When you use Topaz Panel Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Topaz Panel Management, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When mytopaz.co.uk first appeared online, and whether it can receive email
  • What kind of line 01827 301070 is, and the other firm that gives it
  • Who else gives the postcode B78 3LZ
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Other names (5)

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

  • Crystal Specialist Services Trading name
  • Topaz Specialist Services Trading name
  • Crystal Newco Limited Former name
  • Topaz Panel Management Ltd Former name
  • Crystal SF Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Crystal Mortgages 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, free
    You 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
14161248
Company status
Active
Company type
Private limited company
Incorporated
9 June 2022 (4 years old)
Registered office
Unit B Ventura House, Ventura Park Road, Tamworth, Staffordshire, B78 3HL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Derek Bond Director Apr 1982 9 Jun 2022 3 other companies
Jo David Breeden Director Dec 1982 9 Jun 2022 9 other companies
Toby Alexander Breeden Director Jun 1988 9 Jun 2022 2 other companies
Kristofer Michael Corns Director Sep 1981 9 Jun 2022 2 other companies

Other companies run by these 4 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
10
closed down
4
is FCA-registered
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 2 companies these 4 directors run together
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

−£314k

Down £15.3k from −£298k

Cash at bank

£25.6k

+28% from £20.0k

Employees (average)

2

−67% from 6

Owed within a year

£341k

+6.3% from £321k

Total equity is negative: on its last balance sheet the company owed £314k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 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 14161248. 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

Topaz Panel Management’s history from the FCA register and Companies House, newest first.

Key events (7) All events (15)

2025

10 November 2025

  • Changed its registered name from "Topaz Panel Management Ltd"

FCA register

21 October 2025

  • Crystal Mortgages Limited took control (75–100% of shares)
  • Crystal Specialist Group Limited gave up control

Companies House

2023

10 May 2023

  • Changed its registered name from "Crystal Newco Limited"

FCA register

2022

17 June 2022

  • Became an appointed representative

FCA register

9 June 2022

  • Incorporated at Companies House
  • Crystal Specialist Group Limited took control (75–100% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Topaz Panel Management

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

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Topaz Panel Management

Other firms of the same type (mortgage adviser or broker), nearest first.

In Tamworth

Connect Mortgages & Protection LtdTamworthAppointed representativeCrystal Property Finance LimitedTamworthAppointed representativeDavid BowenTamworthAppointed representativeFuture Home Financial Services LimitedTamworthAppointed representativeMarket Street Mortgages & Protection LimitedTamworthAppointed representativeMovesmart Mortgage Solutions LtdTamworthAppointed representative

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 Topaz Panel Management

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 15 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Topaz Panel Management Limited FCA authorised?
Topaz Panel Management Limited (FRN 977626) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Topaz Panel Management?
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. Topaz Panel Management Limited (FRN 977626) is an AR of CRYSTAL MORTGAGES LIMITED (FRN 303761). When you use Topaz Panel Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Topaz Panel Management, 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.
What is Topaz Panel Management’s phone number and website?
The FCA register lists the phone number 01827 301070 and the website mytopaz.co.uk for Topaz Panel Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Topaz Panel Management a scam or clone?
Topaz Panel Management 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 Topaz Panel Management?
Protection works through Crystal Mortgages Limited, the principal firm responsible for Topaz Panel Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Topaz Panel Management?
Topaz Panel Management is owned by Crystal Mortgages Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 21 October 2025. Before that, it was controlled by Crystal Specialist Group Limited.
Who runs Topaz Panel Management?
Companies House lists 4 directors of Topaz Panel Management: Richard Derek Bond, Jo David Breeden, Toby Alexander Breeden and Kristofer Michael Corns.
How long has Topaz Panel Management been in business?
The company was formed on 9 June 2022.
What do Topaz Panel Management’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of −£314k (down £15.3k from −£298k) and cash at bank of £25.6k (+28% from £20.0k).
Does Topaz Panel Management use any other names?
It trades as Crystal Specialist Services and Topaz Specialist Services. It has previously used 3 other names: Crystal Newco Limited, Topaz Panel Management Ltd and Crystal SF.

Sources and links

The full report on Topaz Panel Management Limited

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