Coles Funeral Directors Ltd: 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 7 years
Protected through the principal
No FCA actions
Active company since 2006
Accounts filed up to 31 March 2026
1 thing worth a closer look in the background checks

Responsible principal firm

Golden Charter Limited Reference number: 965279 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.
Coles Funeral Directors Ltd (FRN 829298) is an AR of Golden Charter Limited (FRN 965279). When you use Coles Funeral Directors's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Coles Funeral Directors, 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.

Website

colesfuneraldirectors.co.uk (opens in a new tab)
Phone number

029 2079 7516
Address

2-4 Heathwood Road, Birchgrove, Cardiff, CF14 4XE, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When colesfuneraldirectors.co.uk first appeared online, and whether it can receive email
What kind of line 029 2079 7516 is
Who else gives the postcode CF14 4XE

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Golden Charter 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: 05718414 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 22 February 2006 (20 years old)
Registered office: 2-4 Heathwood Road, Birchgrove, Cardiff, S. Wales, CF14 4XE, Wales
Nature of business: Funeral and related activities (SIC 96030)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Gareth John Coles	Director	Jan 1980	22 Feb 2006	9 other companies
Francesca Jane Coles	Director	Oct 1980	23 Apr 2026	None
Gareth John Coles	Secretary	Not published	13 Mar 2009	9 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: 9
closed down: 8
still active: 1

In the full report: all 9 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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1.01m

+12% from £900k

Cash at bank

£371k

−10% from £414k

Employees (average)

28

+3.7% from 27

Owed within a year

£371k

−15% from £438k

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

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 05718414. 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

Coles Funeral Directors’s history from the FCA register and Companies House, newest first.

Key events (3) All events (8)

2018

21 December 2018

Became an appointed representative

FCA register

2016

6 April 2016

Gareth John Coles took control (75–100% of shares)

Companies House

2006

22 February 2006

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (3 shown here)
Every director appointment and resignation: 4

Firms like Coles Funeral Directors

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

In Cardiff

Adams & Young Funeral Directors LTDCardiffAppointed representative Green Willow Funerals LimitedCardiffAppointed representative Ivor Thomas Funerals LimitedCardiffAppointed 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 Coles Funeral Directors

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

9 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
7 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is Coles Funeral Directors Ltd FCA authorised?

Coles Funeral Directors Ltd (FRN 829298) 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 Coles Funeral Directors?

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. Coles Funeral Directors Ltd (FRN 829298) is an AR of Golden Charter Limited (FRN 965279). When you use Coles Funeral Directors's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Coles Funeral Directors, 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 Coles Funeral Directors’ phone number and website?

The FCA register lists the phone number 029 2079 7516 and the website colesfuneraldirectors.co.uk for Coles Funeral Directors. If you were given different contact details, use these to check with the firm before going any further.

Is Coles Funeral Directors a scam or clone?

Coles Funeral Directors 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 Coles Funeral Directors?

Protection works through Golden Charter Limited, the principal firm responsible for Coles Funeral Directors's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Coles Funeral Directors?

Companies House lists one person with significant control of Coles Funeral Directors: Mr Gareth John Coles (75–100% of shares).

Who runs Coles Funeral Directors?

Companies House lists 2 directors of Coles Funeral Directors: Gareth John Coles and Francesca Jane Coles.

How long has Coles Funeral Directors been in business?

The company was formed on 22 February 2006.

What do Coles Funeral Directors’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £1.01m (+12% from £900k) and cash at bank of £371k (−10% from £414k).