A. H. Cheater Limited: FCA regulated?

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.

Appointed for 4 years
Protected through the principal
No FCA actions
Active company since 2010
Accounts filed up to 31 May 2025

Responsible principal firm

Ecclesiastical Planning Services Limited Reference number: 958152 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.
A. H. CHEATER LIMITED (FRN 983944) is an AR of Ecclesiastical Planning Services Limited (FRN 958152). When you use A. H. CHEATER's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from A. H. CHEATER, 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.

No website on the FCA register
Phone number

01794 513393
Address

122 The Hundred, Romsey, Hampshire, SO51 8BY, United Kingdom

In the full report: 2 background checks

What kind of line 01794 513393 is
Who else gives the postcode SO51 8BY

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Ecclesiastical Planning 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 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: 07261780 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 May 2010 (16 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Funeral and related activities (SIC 96030)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael Edward Peace	Director	Dec 1984	21 May 2010	None
Simon Peace	Director	Aug 1961	21 May 2010	None
Iain Harfield Steel	Director	Aug 1968	21 May 2010	18 other companies
Richard Francis John Steel	Director	Jul 1943	21 May 2010	None
Graham Lusty	Director	Feb 1983	19 Aug 2025	None

Other companies run by these 5 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: 18
closed down: 2
are FCA-registered: 2

In the full report: all 18 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 on the FCA register

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£1.03m

+5.2% from £977k

Cash at bank

£397k

−55% from £881k

Employees (average)

19

+5.6% from 18

Owed within a year

£740k

+12% from £660k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 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 07261780. 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

A. H. Cheater’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2022

23 September 2022

Became an appointed representative

FCA register

2016

6 April 2016

Richard Francis John Steel became the majority owner (50–75% of shares)
Simon Peace became a part-owner (25–50% of shares)

Companies House

2010

21 May 2010

Incorporated at Companies House

Companies House

In the full report: all 9 events

All 9 events in its history (4 shown here)
Every director appointment and resignation: 5

Firms connected to A. H. Cheater

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

connected firm: 1
share a director: 1
past link: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
1 past link through former directors

Firms like A. H. Cheater

Other firms of the same type (funeral director), nearest first.

In the Southampton (SO) postcode area

Henry Powell & Son LimitedEastleighAppointed representative J Lawrence & Sons (Undertakers) LimitedSouthamptonAppointed representative Maria Jones Funeral Directors LimitedAppointed representative Mr Martin Randle-Masters and Mrs Mandie PidgleySouthamptonAppointed representative Nigel Guilder LimitedEastleighAppointed representative Richard Steel & Partners LtdWinchesterAppointed representative

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 A. H. Cheater

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

18 other companies its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 9 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is A. H. Cheater Limited FCA authorised?

A. H. Cheater Limited (FRN 983944) 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 A. H. Cheater?

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. A. H. Cheater Limited (FRN 983944) is an AR of Ecclesiastical Planning Services Limited (FRN 958152). When you use A. H. Cheater's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from A. H. Cheater, 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 A. H. Cheater’s phone number?

The FCA register lists the phone number 01794 513393 for A. H. Cheater. If you were given different contact details, use these to check with the firm before going any further.

Is A. H. Cheater a scam or clone?

A. H. Cheater 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 A. H. Cheater?

Protection works through Ecclesiastical Planning Services Limited, the principal firm responsible for A. H. Cheater's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns A. H. Cheater?

Companies House lists 2 people with significant control of A. H. Cheater: Mr Richard Francis John Steel (50–75% of shares) and Simon Peace (25–50% of shares).

Who runs A. H. Cheater?

Companies House lists 5 directors of A. H. Cheater: Michael Edward Peace, Simon Peace, Iain Harfield Steel, Richard Francis John Steel and Graham Lusty.

How long has A. H. Cheater been in business?

The company was formed on 21 May 2010.

What do A. H. Cheater’s latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £1.03m (+5.2% from £977k) and cash at bank of £397k (−55% from £881k).