Cornwall & Devon Services limited
Reference number: 916054
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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 6 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £111k more than it owned
Responsible principal firm
RIVIERA INSURANCE SERVICES LIMITED Reference number: 786116 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.
- Cornwall & Devon Services limited (FRN 916054) is an AR of RIVIERA INSURANCE SERVICES LIMITED (FRN 786116). When you use Cornwall & Devon Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cornwall & Devon Services, 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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Phone number
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Address
234-236 Union Street, Torquay, Devon, TQ2 5QS, United Kingdom
In the full report: 3 background checks
- When cornwallanddevon.co.uk first appeared online, and whether it can receive email
- What kind of line 01803 659111 is, and the other firm that gives it
- Who else gives the postcode TQ2 5QS
Other names (2)
If you were contacted under any of these names, it is this firm.
- C&D Insurance Services Trading name: A name it trades under now.
- Cornwall & Devon Insurance Services Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Riviera Insurance Services 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 number
- 12231344 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 September 2019 (7 years old)
- Registered office
- Petitor House, Nicholson Road, Torquay, Devon, TQ2 7TD, United Kingdom
- Nature of business
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- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kevin Davies | Director | May 1963 | 27 Sep 2019 | 16 other companies |
| James Richard Jones | Director | Feb 1978 | 16 Jun 2023 | 5 other companies |
| THOMAS WESTCOTT SECRETARIAL LIMITED | Corporate secretary | Not published | 27 Sep 2019 | – |
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
- 17
- closed down
- 5
- are FCA-registered
- 4
In the full report: all 17 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 4 on the FCA register
- The 4 companies these 2 directors run together
Filed accounts and finances
Net assets
−£111k
Up £11.7k from −£123k
Cash at bank
£930
Up £426 from £504
Employees (average)
2
Same as 2
Owed within a year
£112k
−16% from £134k
Net assets are negative: on its last balance sheet the company owed £111k more than it owned.
Net assets
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- 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 12231344. 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
Cornwall & Devon Services’s history from the FCA register and Companies House, newest first.
2019
31 October 2019
- Became an appointed representative
FCA register
27 September 2019
- Incorporated at Companies House
- James Richard Jones gained significant control
- Kevin Davies gained significant control
- Riviera Insurance Services Limited took control (75–100% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 2
Firms connected to Cornwall & Devon Services
Other FCA-listed firms that share a director, phone number or address with Cornwall & Devon Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
- share its phone number
- 1
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4), the same phone number (1), the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Cornwall & Devon Services
Other firms of the same type (insurance broker), nearest first.
In Torquay
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 Cornwall & Devon Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 17 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 9 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Does Cornwall & Devon Services use any other names?
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