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 17 years
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 March 2026
Responsible principal firm
Corbel Partners Limited Reference number: 429142 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.
- Cestrian Life & Pensions Ltd (FRN 507741) is an AR of Corbel Partners Limited (FRN 429142). When you use Cestrian Life & Pensions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cestrian Life & Pensions, 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.
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No website on the FCA register
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Phone number
-
Address
142 Hulme Hall Road, Cheadle Hulme, Cheadle, Cheshire, SK8 6LQ, United Kingdom
In the full report: 2 background checks
- What kind of line 0161 485 1890 is
- Who else gives the postcode SK8 6LQ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Corbel Partners 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, freeYou 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 name
- CESTRIAN LIFE & PENSIONS LIMITED
- Company number
- 05302669 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 2 December 2004 (21 years old)
- Registered office
- 142 Hulme Hall Road, Cheadle Hulme, Cheshire, SK8 6LQ
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Neville Thomas Messenger | Director | Mar 1955 | 2 Dec 2004 | 1 other company |
| Janice Elizabeth Messenger | Secretary | Not published | 8 May 2009 | – |
Other companies run by its director
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 its director sits on each board, and since when
- Any that went into liquidation or administration
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£2,091
−30% from £2,967
Cash at bank
£3,132
−17% from £3,785
Employees (average)
3
Same as 3
Owed within a year
£13.9k
−2.5% from £14.3k
Net assets
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
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 05302669. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Cestrian Life & Pensions’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Neville Thomas Messenger became the majority owner (50–75% of shares)
Companies House
2009
1 October 2009
- Became an appointed representative
FCA register
2004
2 December 2004
- Incorporated at Companies House
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 3
Firms like Cestrian Life & Pensions
Other firms of the same type (financial adviser), nearest first.
In Cheadle
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 Cestrian Life & Pensions
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
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 6 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk