Caerfai Bay Limited

Reference number: 411561

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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

Bspoke Lifestyle Ltd Reference number: 820727 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.
  • Caerfai Bay Limited (FRN 411561) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Caerfai Bay.
  • Example: if Caerfai Bay refers you to a financial adviser, the advice should come from the principal firm, not from Caerfai Bay 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 caerfaibay-co.uk first appeared online, and whether it can receive email
  • What kind of line 01437 720274 is
  • Who else gives the postcode SA62 6QT
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Caerfai Bay Caravan & Tent Park Trading name
  • Caerfai Bay Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Bspoke Lifestyle Ltd, 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
04473103
Company status
Active
Company type
Private limited company
Incorporated
29 June 2002 (24 years old)
Registered office
Caerfai Bay Caravan & Tent Park, St. Davids, Haverfordwest, Pembrokeshire, SA62 6QT
Nature of business
  • Other amusement and recreation activities not elsewhere classified (SIC 93290)

Directors and company secretaries

Name Role Born Appointed Other companies
Dorothy Rosemary Panton Director Oct 1947 29 Jun 2002 1 other company
Anwen Fiona Ruth Coughlan Director Jul 1981 11 Mar 2015 None
Jonathan Rhys Panton Director Dec 1978 11 Mar 2015 None
Leonard Vaughan Phillips Director Aug 1952 14 Nov 2022 None
Catherine Marks Secretary Not published 24 Mar 2020 –

Other companies run by these 4 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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Abridged accountsNot audited

Net assets

£261k

−11% from £292k

Cash at bank

£12.0k

−73% from £44.1k

Employees (average)

14

+56% from 9

Owed within a year

£118k

−22% from £150k

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
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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 04473103. 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

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

Key events (4) All events (9)

2024

31 July 2024

  • Changed its registered name from "Caerfai Bay Ltd"

FCA register

2016

1 July 2016

  • Dorothy Rosemary Panton became the majority owner (50–75% of shares)

Companies House

2005

14 January 2005

  • Became an introducer appointed representative

FCA register

2002

29 June 2002

  • 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: 4
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Firms like Caerfai Bay

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

In the Swansea (SA) postcode area

1st Line Group LtdAmmanfordAppointed representativeAndrew M Williams Wealth Management LtdLlanelliAppointed representativeAwyr Las LtdHaverfordwestAppointed representativeAxis Lease Management LtdLlandeiloAppointed representativeDavies-Logan Loss Assessors LtdSwanseaAppointed representativeDeri Insure LimitedClynderwenAppointed 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 Caerfai Bay

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Caerfai Bay Limited FCA authorised?
Caerfai Bay Limited (FRN 411561) 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 Caerfai Bay?
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. Caerfai Bay Limited (FRN 411561) introduces customers to Bspoke Lifestyle Ltd (FRN 820727). Any regulated advice or arranging is done by the principal, not Caerfai Bay. Example: if Caerfai Bay refers you to a financial adviser, the advice should come from the principal firm, not from Caerfai Bay 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 Caerfai Bay’s phone number and website?
The FCA register lists the phone number 01437 720274 and the website caerfaibay-co.uk for Caerfai Bay. If you were given different contact details, use these to check with the firm before going any further.
Is Caerfai Bay a scam or clone?
Caerfai Bay 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 Caerfai Bay?
Protection works through Bspoke Lifestyle Ltd, the principal firm responsible for Caerfai Bay's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Caerfai Bay?
Companies House lists one person with significant control of Caerfai Bay: Mrs Dorothy Rosemary Panton (50–75% of shares).
Who runs Caerfai Bay?
Companies House lists 4 directors of Caerfai Bay: Dorothy Rosemary Panton, Anwen Fiona Ruth Coughlan, Jonathan Rhys Panton and Leonard Vaughan Phillips.
How long has Caerfai Bay been in business?
The company was formed on 29 June 2002.
What do Caerfai Bay’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £261k (−11% from £292k) and cash at bank of £12.0k (−73% from £44.1k).
Does Caerfai Bay use any other names?
It trades as Caerfai Bay Caravan & Tent Park. It has previously used the name Caerfai Bay Ltd.

Sources and links

The full report on Caerfai Bay Limited

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