Colin Hardy & Co. Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1976
Accounts filed up to 31 January 2026

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

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

01392 436444
Address

Colin Hardy & Co Ltd, 85 Queen Street, Exeter, Devon, EX4 3RP, United Kingdom

In the full report: 3 background checks

When colinhardy.co.uk first appeared online, and whether it can receive email
What kind of line 01392 436444 is
Who else gives the postcode EX4 3RP

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
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 (5 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Dealing in investments as agent
Making arrangements with a view to transactions in investments

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: 01273245 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 16 August 1976 (50 years old)
Registered office: 85 Queen Street, Exeter, Devon, EX4 3RP
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Colin Michael Hardy	Director	Jan 1935	Not published	2 other companies
Lynda Palmieri	Secretary	Not published	11 Jun 1996	–

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 companies: 2
closed down: 1
still active: 1

In the full report: all 2 companies, 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

Year to 31 January 2026Full accountsNot audited

Total equity

£208k

−24% from £272k

Cash at bank

£192k

−25% from £257k

Owed within a year

£4,730

+2% from £4,638

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.

Accounts filed at Companies House for company 01273245. 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

Colin Hardy & Co.’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2016

2 November 2016

Colin Michael Hardy took control (75–100% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

1976

16 August 1976

Incorporated at Companies House

Companies House

In the full report: all 11 events

All 11 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms like Colin Hardy & Co.

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

In Exeter

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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 Colin Hardy & Co.

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

2 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 11 events in its history

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Frequently asked questions about this firm

Is Colin Hardy & Co. Limited FCA authorised?

Yes, Colin Hardy & Co. Limited (FRN 304573) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Colin Hardy & Co.’s phone number and website?

The FCA register lists the phone number 01392 436444 and the website colinhardy.co.uk for Colin Hardy & Co.. If you were given different contact details, use these to check with the firm before going any further.

Is Colin Hardy & Co. a scam or clone?

Colin Hardy & Co. 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 Colin Hardy & Co.?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Colin Hardy & Co. to the Financial Ombudsman Service, free of charge.

Who owns Colin Hardy & Co.?

Companies House lists one person with significant control of Colin Hardy & Co.: Mr Colin Michael Hardy (75–100% of shares).

Who runs Colin Hardy & Co.?

Companies House lists one director of Colin Hardy & Co.: Colin Michael Hardy.

How long has Colin Hardy & Co. been in business?

The company was formed on 16 August 1976, and has held its current FCA authorisation since January 2005.

What do Colin Hardy & Co.’s latest accounts show?

Its latest accounts, to 31 January 2026, show total equity of £208k (−24% from £272k) and cash at bank of £192k (−25% from £257k).