Tribe Schemes Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 7 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017
Accounts filed up to 31 October 2025

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.

PubProtect Trading name: A name it trades under now.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Sell or arrange insurance FSCS may apply
Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (5 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Dealing in investments as agent
Making arrangements with a view to transactions in investments

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: 11001408 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 6 October 2017 (9 years old)
Registered office: 11 Garden Court, Welwyn Garden City, AL7 1BH, England
Nature of business: Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Patrick Edward Smith	Director	Apr 1962	6 Oct 2017	5 other companies
Nicholas John Stretton	Director	Feb 1963	6 Oct 2017	3 other companies
Amanda Jayne Teresa Stretton	Secretary	Not published	27 Feb 2025	–

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

£38.8k

−17% from £46.6k

Employees (average)

0

Same as 0

Owed within a year

£9,006

−53% from £19.3k

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 11001408. 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 Schemes’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2019

3 June 2019

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

FCA register

2017

7 December 2017

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

Companies House

6 October 2017

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

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms connected to Tribe Schemes

Other FCA-listed firms that share a director, phone number or address with Tribe Schemes. 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 Schemes

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

In Croydon

County Insurance Agencies LimitedCroydonAuthorised FSB Insurance Service LimitedCroydonAuthorised Hencilla Canworth GI LimitedCroydonAuthorised P K Insurance (Brokers) LimitedCroydonAuthorised PMJ Risk Solutions LimitedCroydonAuthorised Gani & Co LimitedCroydonAuthorised

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 Schemes

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 9 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Tribe Schemes Limited FCA authorised?

Yes, Tribe Schemes Limited (FRN 833426) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2019 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Tribe Schemes’ phone number?

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

Tribe Schemes 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 Schemes?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Tribe Schemes to the Financial Ombudsman Service, free of charge.

Who owns Tribe Schemes?

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

Who runs Tribe Schemes?

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

How long has Tribe Schemes been in business?

The company was formed on 6 October 2017, and has held its current FCA authorisation since June 2019.

What do Tribe Schemes’ latest accounts show?

Its latest accounts, to 31 October 2025, show net assets of £38.8k (−17% from £46.6k).

Does Tribe Schemes use any other names?

It trades as PubProtect.