Xo Elite Limited

Reference number: 1006155

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Switcha Limited Reference number: 828963 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • XO ELITE LIMITED (FRN 1006155) introduces customers to Switcha Limited (FRN 828963). Any regulated advice or arranging is done by the principal, not XO ELITE.
  • Example: if XO ELITE refers you to a financial adviser, the advice should come from the principal firm, not from XO ELITE itself.
  • 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

  • When saddle-academy.com first appeared online, and whether it can receive email
  • What kind of line 07117 233110 is
  • Who else gives the postcode GU34 4HF
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Switcha 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
13146550
Company status
Active
Company type
Private limited company
Incorporated
20 January 2021 (5 years old)
Registered office
35 Thornton End Holybourne, Alton, GU34 4HF, England
Nature of business
  • Other education not elsewhere classified (SIC 85590)

Directors and company secretaries

Name Role Born Appointed Other companies
Lisa Fay Director Mar 1985 20 Jan 2021 4 other companies

Other companies run by its director

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
4
closed down
2
still active
2

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£1

Same as £1

Employees (average)

0

Same as 0

Owed within a year

£0

Same as £0

The accounts for the year to 31 January 2026 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £85.5k, for the year to 31 January 2025.

The accounts for the year to 31 January 2026 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £4,629, for the year to 31 January 2023.

Turnover

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • Both charts, 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.

Accounts filed at Companies House for company 13146550. 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

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

2023

19 November 2023

  • Became an introducer appointed representative

FCA register

2021

20 January 2021

  • Incorporated at Companies House
  • Lisa Fay took control (75–100% of shares)
  • Lisa Fay appointed as a director

Companies House

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

Firms like Xo Elite

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

In Alton

Wellington Ford Financial LtdAltonAppointed representativeAir Copier Systems LtdAltonAuthorisedPrintmax LimitedAltonAuthorised

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 Xo Elite

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is Xo Elite Limited FCA authorised?
Xo Elite Limited (FRN 1006155) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Xo Elite?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Xo Elite Limited (FRN 1006155) introduces customers to Switcha Limited (FRN 828963). Any regulated advice or arranging is done by the principal, not Xo Elite. Example: if Xo Elite refers you to a financial adviser, the advice should come from the principal firm, not from Xo Elite itself. 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 Xo Elite’s phone number and website?
The FCA register lists the phone number 07117 233110 and the website saddle-academy.com for Xo Elite. If you were given different contact details, use these to check with the firm before going any further.
Is Xo Elite a scam or clone?
Xo Elite 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 Xo Elite?
Protection works through Switcha Limited, the principal firm responsible for Xo Elite's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Xo Elite?
Companies House lists one person with significant control of Xo Elite: Miss Lisa Fay (75–100% of shares).
Who runs Xo Elite?
Companies House lists one director of Xo Elite: Lisa Fay.
How long has Xo Elite been in business?
The company was formed on 20 January 2021.
What do Xo Elite’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £1 (same as £1).

Sources and links

The full report on Xo Elite Limited

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