Xo Group Holdings Limited.

Reference number: 1050535

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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

PLANET LEASING LIMITED Reference number: 688093 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.
  • XO GROUP HOLDINGS LIMITED. (FRN 1050535) is an AR of PLANET LEASING LIMITED (FRN 688093). When you use XO GROUP HOLDINGS LIMITED.'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from XO GROUP HOLDINGS LIMITED., 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

  • When xo-bds.co.uk first appeared online, and whether it can receive email
  • What kind of line 07803 701150 is
  • Who else gives the postcode CW5 7ED
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Planet Leasing 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
14356494
Company status
Active
Company type
Private limited company
Incorporated
14 September 2022 (4 years old)
Registered office
Regents Business Park, 129 London Road, Nantwich, CW5 6LW, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Harry Charles Heath Director Apr 1993 14 Sep 2022 4 other companies
Sophie-Lea Jennifer Heath Director Jul 1993 1 Mar 2023 None

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
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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

−£5,118

Down £4,383 from −£735

Owed within a year

£11.5k

+201% from £3,811

Net assets are negative: on its last balance sheet the company owed £5,118 more than it owned.

Assets and liabilities

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 14356494. 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 Group Holdings Limited.’s history from the FCA register and Companies House, newest first.

2026

19 February 2026

  • Became an appointed representative

FCA register

2023

1 March 2023

  • Sophie-Lea Jennifer Heath appointed as a director

Companies House

2022

14 September 2022

  • Incorporated at Companies House
  • Harry Charles Heath took control (75–100% of shares)
  • Harry Charles Heath appointed as a director

Companies House

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

Firms connected to Xo Group Holdings Limited.

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Xo Group Holdings Limited.

Other firms of the same type (car dealer), nearest first.

In Nantwich

Atl UK LimitedNantwichAuthorisedCapital Car Finance LimitedNantwichAuthorisedEco Motors LimitedNantwichAuthorisedSJT Motor Co LtdNantwichAuthorised

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 Group Holdings Limited.

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
  • All 5 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Xo Group Holdings Limited. FCA authorised?
Xo Group Holdings Limited. (FRN 1050535) 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 Xo Group Holdings Limited.?
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. Xo Group Holdings Limited. (FRN 1050535) is an AR of PLANET LEASING LIMITED (FRN 688093). When you use Xo Group Holdings Limited.'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Xo Group Holdings Limited., 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 Xo Group Holdings Limited.’s phone number and website?
The FCA register lists the phone number 07803 701150 and the website XO-BDS.co.uk for Xo Group Holdings Limited.. If you were given different contact details, use these to check with the firm before going any further.
Is Xo Group Holdings Limited. a scam or clone?
Xo Group Holdings Limited. 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 Group Holdings Limited.?
Protection works through Planet Leasing Limited, the principal firm responsible for Xo Group Holdings Limited.'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Xo Group Holdings Limited.?
Companies House lists one person with significant control of Xo Group Holdings Limited.: Mr Harry Charles Heath (75–100% of shares).
Who runs Xo Group Holdings Limited.?
Companies House lists 2 directors of Xo Group Holdings Limited.: Harry Charles Heath and Sophie-Lea Jennifer Heath.
How long has Xo Group Holdings Limited. been in business?
The company was formed on 14 September 2022.
What do Xo Group Holdings Limited.’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£5,118 (down £4,383 from −£735).

Sources and links

The full report on Xo Group Holdings Limited.

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