Concept Apps Ltd

Reference number: 1033013

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Incorporate Insurance Services Limited Reference number: 309312 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.
  • Concept Apps Ltd (FRN 1033013) is an AR of Incorporate Insurance Services Limited (FRN 309312). When you use Concept Apps's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Concept Apps, 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.

Identity

Check their details

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.

Also trades as
  • TeamFeePay

Company details

From the company's Companies House record.

Company number
NI629473
Company status
Active
Company type
Private limited company
Incorporated
18 February 2015 (11 years old)
Registered office
Unit 1 Innovation Centre, Catalyst, Queens Road, Belfast, BT3 9DT, Northern Ireland
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Current directors and secretaries

Name Role Born Appointed
Manus Peter Magill Director Aug 1971 18 Feb 2015
Liam Joseph Mcstravick Director Feb 1979 1 Sep 2019
Stuart Montgomery Gaffikin Director Jul 1984 15 Dec 2025
Michael David Black Director Nov 1966 15 Dec 2025
Liam Mcstravick Secretary Not published 18 Feb 2015

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Incorporate Insurance Services 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Concept Apps Ltd FCA authorised?
Concept Apps Ltd (FRN 1033013) 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 Concept Apps?
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. Concept Apps Ltd (FRN 1033013) is an AR of Incorporate Insurance Services Limited (FRN 309312). When you use Concept Apps's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Concept Apps, 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.
Is my money safe with Concept Apps?
Protection works through Incorporate Insurance Services Limited, the principal firm responsible for Concept Apps's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Concept Apps a scam or clone?
Concept Apps is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Concept Apps's Firm Reference Number (FRN)?
Concept Apps's FRN is 1033013. You can verify it on the FCA register.