Concept Special Risks Ltd

Reference number: 312098

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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 special-risks.com first appeared online, and whether it can receive email
  • What kind of line 01943 882700 is
  • Who else gives the postcode LS20 8EY
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Other names (2)

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

  • Osprey Special Risks Limited Former name: A name it was registered under before.
  • T L Dallas (Special Risks) Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

  • 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 (2 permissions)
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent

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 status
Active
Company type
Private limited company
Incorporated
24 April 1969 (57 years old)
Registered office
Unity House Station Court, Station Road, Guiseley, Leeds, West Yorkshire, LS20 8EY
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Alexander Mark Thomas Director Nov 1960 1 Jan 1999 4 other companies
Beric Anthony Usher Director May 1953 1 Jan 1999 5 other companies
Michael George Calvert Director Feb 1971 4 May 2007 11 other companies
Liam James Gilhooly Director Oct 1983 6 Jun 2023 None
Sarah Anne Delacey Simms Director Jun 1983 16 Jun 2023 None
Michael George Calvert Secretary Not published 7 May 2008 11 other companies

Other companies run by these 5 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
15
closed down
1
run together
3

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 companies these 5 directors run together
  • All 16 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsAudited

Net assets

£9.28m

−4.3% from £9.70m

Cash at bank

£12.1m

−20% from £15.0m

Employees (average)

29

+3.6% from 28

Owed within a year

£11.7m

−16% from £13.9m

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 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 00952756. 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

Concept Special Risks’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

  • Recreational Charter Insurance Services Limited took control (75–100% of shares)

Companies House

2013

14 May 2013

  • Changed its registered name from "Osprey Special Risks Limited"

FCA register

1 April 2013

  • Regulated by the FCA from this date

FCA register

2008

22 May 2008

  • Changed its registered name from "T L Dallas (Special Risks) Limited"

FCA register

2005

4 March 2005

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

FCA register

1969

24 April 1969

  • Incorporated at Companies House

Companies House

In the full report: all 32 events

  • All 32 events in its history (7 shown here)
  • Every director appointment and resignation: 23
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Firms connected to Concept Special Risks

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Concept Special Risks

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

In Leeds

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 Concept Special Risks

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 32 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Concept Special Risks Ltd FCA authorised?
Yes, Concept Special Risks Ltd (FRN 312098) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Concept Special Risks’ phone number and website?
The FCA register lists the phone number 01943 882700 and the website special-risks.com for Concept Special Risks. If you were given different contact details, use these to check with the firm before going any further.
Is Concept Special Risks a scam or clone?
Concept Special Risks 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 Concept Special Risks?
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 Concept Special Risks to the Financial Ombudsman Service, free of charge.
Who owns Concept Special Risks?
Concept Special Risks is owned by Recreational Charter Insurance Services Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs Concept Special Risks?
Companies House lists 5 directors of Concept Special Risks: Alexander Mark Thomas, Beric Anthony Usher, Michael George Calvert, Liam James Gilhooly and Sarah Anne Delacey Simms.
How long has Concept Special Risks been in business?
The company was formed on 24 April 1969, and has held its current FCA authorisation since March 2005.
What do Concept Special Risks’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £9.28m (−4.3% from £9.70m) and cash at bank of £12.1m (−20% from £15.0m).
Does Concept Special Risks use any other names?
It has previously used 2 other names: Osprey Special Risks Limited and T L Dallas (Special Risks) Limited.

Sources and links

The full report on Concept Special Risks Ltd

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