Xbridge Limited

Reference number: 313348

Instant download

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 simplybusiness.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 014 6683 is
  • Who else gives the postcode EC1Y 8LZ
Instant PDF download
Other names (74)

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

  • Chiswell Insurance Services Trading name
  • Finsbury Insurance Group Trading name
  • Maltings Insurance Trading name
  • Nupro Underwriting Services Trading name
  • Simply Business Trading name
  • 1st business insurance Former trading name
  • 1st Business Insurance.co.uk Former trading name
  • 1st Business Loans.co.uk Former trading name
  • 1st Buy-To-Let Mortgages.co.uk Former trading name
  • 1st Commercial Mortgages Former trading name
  • 1st Leasing.co.uk Former trading name
  • 1st Personal Loans Former trading name
  • 1st Telecoms Former trading name
  • Access Business Insurance Former trading name
  • ALO Debt Collection Former trading name
  • Asset Finance Quotes.co.uk Former trading name
  • Bad-credit-loans-broker.co.uk Former trading name
  • Bad Credit Loans Express Former trading name
  • Bank Loan Loans Express Former trading name
  • Bank-loans-broker.co.uk Former trading name
  • Business Insurance Quotes.co.uk Former trading name
  • Business Loan Quotes.co.uk Former trading name
  • buy-to-let-mortgage-calculator Former trading name
  • Buy-to-Let Mortgage Quotes.co.uk Former trading name
  • Car-loans-broker.co.uk Former trading name
  • Car Loans Express Former trading name
  • Cheap-loans-broker.co.uk Former trading name
  • Cheap Loans Express Former trading name
  • Commercial Finance Quotes.co.uk Former trading name
  • Commercial Loan Quotes.co.uk Former trading name
  • Commercial Mortgage Quotes.co.uk Former trading name
  • Commercial Mortgages QUotes.co.uk Former trading name
  • Commercial Vehicle Insurance Quotes.co.uk Former trading name
  • Consolidation-loans-broker.co.uk Former trading name
  • Consolidation Loans Express Former trading name
  • Debt Consolidation Loans Express Former trading name
  • Debt-consolidations-loans-broker.co.uk Former trading name
  • Decision Finance Former trading name
  • Dovedale Underwriting Former trading name
  • Factoring Quotes.co.uk Former trading name
  • Finexia Former trading name
  • Glemham Underwriting Agency Former trading name
  • Homeowner-loans-broker.co.uk Former trading name
  • Homeowner Loans Express Former trading name
  • insurance for business Former trading name
  • insurance-for-business.co.uk Former trading name
  • Invoice Discounting Quotes.co.uk Former trading name
  • Invoice Factoring Quotes.co.uk Former trading name
  • Leasing Quotes.co.uk Former trading name
  • Loans Express Former trading name
  • Maltings Former trading name
  • maltingsinsurance.com Former trading name
  • Maltingsinsurance.co.uk Former trading name
  • Mondus Decision Finance Former trading name
  • Nevo Underwriting Services Former trading name
  • Office Insurance Quotes.co.uk Former trading name
  • Payroll Quotes.co.uk Former trading name
  • Payroll Services Former trading name
  • Personal Loans Broker Former trading name
  • Personal Loans Quotes Former trading name
  • Retail Insurance Quotes.co.uk Former trading name
  • Secured Loans Express Former trading name
  • Secured Personal Loans Express Former trading name
  • SimplyBusiness.co.uk Former trading name
  • Small Business Loans Former trading name
  • Studentpad.co.uk Former trading name
  • TopDogJobs.com Former trading name
  • Tradesman Insurance Quotes.co.uk Former trading name
  • Tradesman-Insurance Services Former trading name
  • UK Loans Express Former trading name
  • Unsecured Loans Express Former trading name
  • Unsecured Personal Loans Express Former trading name
  • Van Insurance Quotes.co.uk Former trading name
  • Worsley Underwriting Former trading name

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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (6 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
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Hold and Control Client Money in respect of IM
    The requirement to hold and control client money in respect of Insurance Mediation activities is limited to Insurance Mediation Activities only

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
03967717
Company status
Active
Company type
Private limited company
Incorporated
4 April 2000 (26 years old)
Registered office
4th Floor Hylo 105 Bunhill Row, London, EC1Y 8LZ, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
David Thomas Kelly (Dr) Director Sep 1963 28 Feb 2014 15 other companies
Gregory Toczydlowski Director Nov 1966 11 Sep 2017 None
David Summers Director Aug 1981 30 Sep 2021 None
Marc Jamie Anderson Secretary Not published 31 Dec 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
15
closed down
2
is FCA-registered
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 31 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Total equity

£61.9m

No earlier figure to compare

Employees (average)

763

No earlier figure to compare

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.

Accounts filed at Companies House for company 03967717. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (14) All events (228)

2018

10 July 2018

  • Simply Business Group Ltd gave up control
  • Simply Business Group Ltd took control (75–100% of shares)
  • Simply Business Holdings Ltd gave up control
  • Simply Business Holdings Ltd took control (75–100% of shares)
  • The Travelers Companies, Inc took control (75–100% of shares)
  • Xbridge Acquisitions Limited gave up control
  • Xbridge Holdings Limited gave up control
  • Xbridge Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Xbridge Acquisitions Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

2 March 2005

  • FCA imposed a requirement (Hold and Control Client Money in respect of IM)

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2000

4 April 2000

  • Incorporated at Companies House

Companies House

In the full report: all 228 events

  • All 228 events in its history (14 shown here)
  • Every director appointment and resignation: 61
Instant PDF download

Firms connected to Xbridge

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

connected firms
2
share its postcode
2
past link
1

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
Instant PDF download

Firms like Xbridge

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

In London

Amazon EU S.a.r.l.LondonAuthorisedRevolut Travel LtdLondonAuthorisedSantander Insurance Services UK LimitedLondonAuthorisedAon UK LimitedLondonAuthorisedHartford Underwriting Agency LimitedLondonAuthorisedChubb Underwriting Agencies LimitedLondonAuthorised

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 Xbridge

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 228 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Xbridge Limited FCA authorised?
Yes, Xbridge Limited (FRN 313348) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Xbridge’s phone number and website?
The FCA register lists the phone number 0333 014 6683 and the website simplybusiness.co.uk for Xbridge. If you were given different contact details, use these to check with the firm before going any further.
Is Xbridge a scam or clone?
Xbridge 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 Xbridge?
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 Xbridge to the Financial Ombudsman Service, free of charge.
Who owns Xbridge?
Xbridge is owned by The Travelers Companies, Inc, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 July 2018. Before that, it was controlled by Xbridge Holdings Limited, Simply Business Group Ltd and Simply Business Holdings Ltd.
Who runs Xbridge?
Companies House lists 3 directors of Xbridge: David Thomas Kelly (Dr), Gregory Toczydlowski and David Summers.
How long has Xbridge been in business?
The company was formed on 4 April 2000, and has held its current FCA authorisation since October 2004.
What do Xbridge’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £61.9m (no earlier figure to compare).
Does Xbridge use any other names?
It trades as Chiswell Insurance Services, Finsbury Insurance Group, Maltings Insurance, Nupro Underwriting Services and Simply Business. It has previously used 69 other names, including 1st business insurance, 1st Business Insurance.co.uk and 1st Business Loans.co.uk.

Sources and links

The full report on Xbridge Limited

£19.99 · Instant PDF download

Loading secure checkout…