Aspray Limited

Reference number: 466101

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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 aspray.com first appeared online, and whether it can receive email
  • What kind of line 01254 665020 is, and the 40 other firms that give it
  • Who else gives the postcode BB3 0DG
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FCA permissions and consumer protection

  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (1 permission)
  • Assisting in the administration and performance of a contract of insurance

FCA disciplinary action

FCA action

fine
1
in fines
£21.0k
most recent
March 2009
  • Fined £21,000 on 18 March 2009
    On 18 March 2009 the FSA imposed a financial penalty of £21,000 (reduced from £30,000 for early settlement)on Aspray Limited for failing to comply with Principle 3,7 and 11 of the FSA's Principles for Businesses. These breaches relate to Aspray Limited's failure to: (1)take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems, in breach of Principle 3, in that it failed to establish and maintain appropriate systems and controls in relation to the recruitment, training and monitoring of its Appointed Representatives (ARs); (2)pay due regard to the information needs of its clients, and communicate information to them in a way which was clear, fair and not misleading, in breach of Principle 7, in that it: (a)misled clients over the circumstances under which they would incur a cost for utilising Aspray's services; (b)told clients that all contractors were carefully screened and only quality local tradesman were used by Aspray when most contractors were found using sources such as Yell.com and were not properly vetted. (c)failed to inform customers about the Financial Ombudsman Service(FOS)and their right to refer complaints to FOS. (3)deal with the FSA in an open and cooperative way, in breach of Principle 11, in that it misled the FSA by stating in its Retail Mediation Activities Return(RMAR) that it had completed compliance visits to all its ARs, had reviewed files and made financial checks on all 24 ARs. Aspray had performed none of these procedures.

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
05448533
Company status
Active
Company type
Private limited company
Incorporated
10 May 2005 (21 years old)
Registered office
9 Dalton Court, Darwen, Lancashire, BB3 0DG, 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
James William Michael Whittle Director Aug 1965 10 May 2005 10 other companies
Kimberley Ann Perkins Director Mar 1980 2 Dec 2021 2 other companies

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
10
closed down
2
are FCA-registered
3

In the full report: all 10 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
  • The 3 on the FCA register
  • The 2 companies these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2026Abridged accountsNot audited

Net assets

£1.33m

−5.7% from £1.41m

Cash at bank

£4.47m

−1.8% from £4.55m

Employees (average)

28

−20% from 35

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05448533. 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

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

Key events (8) All events (16)

2017

14 July 2017

  • Jwmw Ltd took control (75–100% of shares)

Companies House

13 July 2017

  • Jwmw Ltd gave up control

Companies House

2016

24 June 2016

  • Jwmw Ltd took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

18 March 2009

  • Fined £21,000 by the FCA

FCA register

2007

19 July 2007

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

FCA register

2005

10 May 2005

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Aspray

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

connected firms
12
share a director
2
share its phone number
11

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (2), the same phone number (11), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Aspray

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

In Darwen

Aspray Affinity LimitedDarwenAuthorisedMartin Bird Insurance BrokersDarwenAuthorisedMajor Loss LimitedDarwenAppointed representativeMy Claims Handler LimitedDarwenAppointed representativePaul Kenyon Financial Services LtdDarwenAppointed representativeSun Financial LimitedDarwenAppointed 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 Aspray

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Aspray Limited FCA authorised?
Yes, Aspray Limited (FRN 466101) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2007 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Aspray’s phone number and website?
The FCA register lists the phone number 01254 665020 and the website aspray.com for Aspray. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 40 other FCA firms.
Is Aspray a scam or clone?
Aspray 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 Aspray?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Aspray to the Financial Ombudsman Service, free of charge.
Who owns Aspray?
Aspray is owned by Jwmw Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 14 July 2017.
Who runs Aspray?
Companies House lists 2 directors of Aspray: James William Michael Whittle and Kimberley Ann Perkins.
How long has Aspray been in business?
The company was formed on 10 May 2005, and has held its current FCA authorisation since July 2007.
What do Aspray’s latest accounts show?
Its latest accounts, to 31 May 2026, show net assets of £1.33m (−5.7% from £1.41m) and cash at bank of £4.47m (−1.8% from £4.55m).
Has the FCA taken action against Aspray?
Yes. The FCA register records 1 fine in 2009, £21,000 in total. The details are in the disciplinary section above, with links to the FCA's notices.

Sources and links

The full report on Aspray Limited

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