Tribe Advisory Ltd: FCA regulated?

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 8 years
Protected through the principal
No FCA actions
Active company since 2017
Accounts filed up to 31 October 2025

Responsible principal firm

Tribe Schemes Limited Reference number: 833426 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.
Tribe Advisory Ltd (FRN 795006) is an AR of Tribe Schemes Limited (FRN 833426). When you use Tribe Advisory's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Tribe Advisory, 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.

No website on the FCA register
Phone number

07771 642865
Address

37 Grimwade Avenue, Croydon, CR0 5DJ, United Kingdom

In the full report: 2 background checks

What kind of line 07771 642865 is, and the other firm that gives it
Who else gives the postcode CR0 5DJ

Other names (1)

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

Specialty Protection Services Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Tribe Schemes 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 name: TRIBE ADVISORY LIMITED
Company number: 11003348 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 October 2017 (9 years old)
Registered office: 11 Garden Court, Welwyn Garden City, AL7 1BH, England
Nature of business: Activities of other membership organisations not elsewhere classified (SIC 94990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Patrick Edward Smith	Director	Apr 1962	9 Oct 2017	5 other companies
Nicholas John Stretton	Director	Feb 1963	2 Nov 2017	3 other companies

Other companies run by these 2 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: 7
closed down: 2
is FCA-registered: 1

In the full report: all 7 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 1 company these 2 directors run together

Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£72.7k

+33% from £54.6k

Employees (average)

3

Same as 3

Owed within a year

£28.2k

−40% from £47.0k

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

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 11003348. 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

Tribe Advisory’s history from the FCA register and Companies House, newest first.

2019

25 February 2019

Changed its registered name from "Specialty Protection Services Limited"

FCA register

2017

24 November 2017

Became an appointed representative

FCA register

2 November 2017

Nicholas John Stretton became a part-owner (25–50% of shares)
Nicholas John Stretton appointed as a director

Companies House

9 October 2017

Incorporated at Companies House
Patrick Edward Smith became a part-owner (25–50% of shares)
Patrick Edward Smith appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Tribe Advisory

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

connected firm: 1
share a director: 1
share its phone number: 1

In the full report: the connected firm, named

How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Tribe Advisory

Other firms of the same type (insurance broker), nearest first.

In Croydon

Diamond Publishing LtdCroydonAppointed representative Forte Consultants LtdCroydonAppointed representative H2h Real Estate LimitedCroydonAppointed representative Streets Ahead Real Estate Group LimitedCroydonAppointed representative The Drivers Union LtdCroydonAppointed representative Vitta Solutions LimitedCroydonAppointed 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 Tribe Advisory

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

7 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 7 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Tribe Advisory Ltd FCA authorised?

Tribe Advisory Ltd (FRN 795006) 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 Tribe Advisory?

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. Tribe Advisory Ltd (FRN 795006) is an AR of Tribe Schemes Limited (FRN 833426). When you use Tribe Advisory's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Tribe Advisory, 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 Tribe Advisory’s phone number?

The FCA register lists the phone number 07771 642865 for Tribe Advisory. 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 Tribe Advisory a scam or clone?

Tribe Advisory 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 Tribe Advisory?

Protection works through Tribe Schemes Limited, the principal firm responsible for Tribe Advisory's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Tribe Advisory?

Companies House lists 2 people with significant control of Tribe Advisory: Mr Nicholas John Stretton (25–50% of shares) and Mr Patrick Edward Smith (25–50% of shares).

Who runs Tribe Advisory?

Companies House lists 2 directors of Tribe Advisory: Patrick Edward Smith and Nicholas John Stretton.

How long has Tribe Advisory been in business?

The company was formed on 9 October 2017.

What do Tribe Advisory’s latest accounts show?

Its latest accounts, to 31 October 2025, show net assets of £72.7k (+33% from £54.6k).

Does Tribe Advisory use any other names?

It has previously used the name Specialty Protection Services Limited.