Commercial and General Limited

Reference number: 300001

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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 comandgen.com first appeared online, and whether it can receive email
  • What kind of line 020 3582 1172 is
  • Who else gives the postcode TW11 8LZ
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Other names (14)

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

  • Bettersafe Trading name
  • Bettersafe.com Trading name
  • Beyond Travel Trading name
  • buildingcontractorsinsurance.co.uk Trading name
  • contractorsallriskinsurance.co.uk Trading name
  • freeholderbuildinginsurance.co.uk Trading name
  • Ian Coleman & Associates Trading name
  • ICA Trading name
  • Insure-now Trading name
  • planthireinsuranceuk.co.uk Trading name
  • Regency Trading name
  • Regency for Expats Trading name
  • scaffoldinginsurance.co.uk Trading name
  • Creditor and General Limited Former name

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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (6 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
  • Credit Broking
  • 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
03994456
Company status
Active
Company type
Private limited company
Incorporated
16 May 2000 (26 years old)
Registered office
Marvan Court Unit 2, Building A, 1 Waldegrave Road, Teddington, TW11 8LZ, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Bradley Mitchell Brandon-Cross Director May 1959 1 Jan 2014 7 other companies
Michael John Cant Director May 1952 6 Apr 2016 15 other companies
Angela Catherine Penycate Secretary Not published 23 Jun 2025 –

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
22
closed down
11
are FCA-registered
3

In the full report: all 22 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
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£24.4k

+15% from £21.3k

Cash at bank

£654k

+22% from £536k

Employees (average)

8

+14% from 7

Owed within a year

£860k

+9.9% from £783k

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 03994456. 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

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

Key events (9) All events (34)

2018

27 March 2018

  • Harry Ashall no longer has significant control

Companies House

2016

1 August 2016

  • Michael John Cant gained significant control

Companies House

6 April 2016

  • Bradley Mitchell Brandon-Cross took control (75–100% of shares)
  • Harry Ashall gained significant control

Companies House

2014

11 April 2014

  • Changed its registered name from "Creditor and General Limited"

FCA register

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

2000

16 May 2000

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Commercial and General

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

connected firms
4
share a director
2
share its postcode
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Commercial and General

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

In Teddington

OutBenz LtdTeddingtonAuthorisedQuote Searcher LimitedTeddingtonAuthorisedScots Consultants (London) LtdTeddingtonAuthorisedBettersafe Products LimitedTeddingtonAppointed representativeCF Brokers LimitedTeddingtonAppointed representativeCrystal Clear FS LimitedTeddingtonAppointed 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 Commercial and General

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 34 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Commercial and General Limited FCA authorised?
Yes, Commercial and General Limited (FRN 300001) 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 Commercial and General’s phone number and website?
The FCA register lists the phone number 020 3582 1172 and the website comandgen.com for Commercial and General. If you were given different contact details, use these to check with the firm before going any further.
Is Commercial and General a scam or clone?
Commercial and General 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 Commercial and General?
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 Commercial and General to the Financial Ombudsman Service, free of charge.
Who owns Commercial and General?
Companies House lists 2 people with significant control of Commercial and General: Mr Bradley Mitchell Brandon-Cross (75–100% of shares) and Mr Michael John Cant (significant influence or control). Before that, it was controlled by Mr Harry Ashall.
Who runs Commercial and General?
Companies House lists 2 directors of Commercial and General: Bradley Mitchell Brandon-Cross and Michael John Cant.
How long has Commercial and General been in business?
The company was formed on 16 May 2000, and has held its current FCA authorisation since January 2005.
What do Commercial and General’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £24.4k (+15% from £21.3k) and cash at bank of £654k (+22% from £536k).
Does Commercial and General use any other names?
It trades as Bettersafe, Bettersafe.com, Beyond Travel, buildingcontractorsinsurance.co.uk and contractorsallriskinsurance.co.uk, and 8 more names. It has previously used the name Creditor and General Limited.

Sources and links

The full report on Commercial and General Limited

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