Cosgrove's Ifc Limited

Reference number: 996523

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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.

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.
  • COSGROVE'S IFC LIMITED (FRN 996523) is an AR of Golden Charter Limited (FRN 965279). When you use COSGROVE'S IFC's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from COSGROVE'S IFC, 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.

In the full report: 3 background checks

  • When cosgrovefuneralservices.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 426 6622 is
  • Who else gives the postcode L17 5AL
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Other names (1)

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

  • Cosgroves Independent Funeral Service Trading name

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
11767617
Company status
Active
Company type
Private limited company
Incorporated
15 January 2019 (7 years old)
Registered office
37 Otterspool Drive Aigburth, Liverpool, Merseyside, L17 5AL, England
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Phillip Cosgrove Director Jan 1977 15 Jan 2019 None
Graham Cosgrove Director Feb 1974 15 Mar 2019 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£35.4k

+9.9% from £32.2k

Employees (average)

4

−20% from 5

Owed within a year

£35.9k

−35% from £55.1k

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
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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 11767617. 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

Cosgrove's Ifc’s history from the FCA register and Companies House, newest first.

Key events (6) All events (9)

2023

17 May 2023

  • Became an appointed representative

FCA register

2021

11 January 2021

  • Steven Alan Cosgrove stopped being a part-owner

Companies House

2019

15 March 2019

  • Phillip Cosgrove stopped being a part-owner

Companies House

15 January 2019

  • Incorporated at Companies House
  • Phillip Cosgrove became a part-owner (25–50% of shares)
  • Steven Alan Cosgrove became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like Cosgrove's Ifc

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

In Liverpool

Andrew Roughley Independent Funeral Directors LtdLiverpoolAppointed representativeBarringtons Funeral Services Ltd.LiverpoolAppointed representativeDavid Clegg Independent Funeral Services LimitedLiverpoolAppointed representativeDean Brothers (Formby) LimitedLiverpoolAppointed representativeJenkins LimitedLiverpoolAppointed representativeRichard and Shannon Jenkins Funeral Directors LtdLiverpoolAppointed 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 Cosgrove's Ifc

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Cosgrove's Ifc Limited FCA authorised?
Cosgrove's Ifc Limited (FRN 996523) 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 Cosgrove's Ifc?
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. Cosgrove's Ifc Limited (FRN 996523) is an AR of Golden Charter Limited (FRN 965279). When you use Cosgrove's Ifc's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cosgrove's Ifc, 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 Cosgrove's Ifc’s phone number and website?
The FCA register lists the phone number 0151 426 6622 and the website cosgrovefuneralservices.co.uk for Cosgrove's Ifc. If you were given different contact details, use these to check with the firm before going any further.
Is Cosgrove's Ifc a scam or clone?
Cosgrove's Ifc 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 Cosgrove's Ifc?
Protection works through Golden Charter Limited, the principal firm responsible for Cosgrove's Ifc's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cosgrove's Ifc?
Companies House lists no one with significant control of Cosgrove's Ifc now. Before that, it was controlled by Mr Phillip Cosgrove and Mr Steven Alan Cosgrove.
Who runs Cosgrove's Ifc?
Companies House lists 2 directors of Cosgrove's Ifc: Phillip Cosgrove and Graham Cosgrove.
How long has Cosgrove's Ifc been in business?
The company was formed on 15 January 2019.
What do Cosgrove's Ifc’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £35.4k (+9.9% from £32.2k).
Does Cosgrove's Ifc use any other names?
It trades as Cosgroves Independent Funeral Service.

Sources and links

The full report on Cosgrove's Ifc Limited

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