Covertriumph Limited

Reference number: 137997

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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 roypipeinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01621 855666 is, and the other firm that gives it
  • Who else gives the postcode CM9 5EP
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Other names (2)

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

  • R Pipe Insurance Consultants Trading name
  • R. Pipe (Life & Pensions) Consultants Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (9 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • 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
02197802
Company status
Active
Company type
Private limited company
Incorporated
24 November 1987 (38 years old)
Registered office
83 High Street, Maldon, Essex, CM9 5EP
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Stella Shires Director Sep 1970 30 Sep 2004 1 other company
Paul Mark Shires Director Apr 1973 6 Sep 2023 None
Roy Pipe Director Sep 1939 Not published 1 other company
Gary Pipe Director Jul 1966 Not published None

Other companies run by these 4 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 company
1
still active
1
run together
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£337k

−9.4% from £372k

Cash at bank

£333k

−13% from £385k

Employees (average)

7

+17% from 6

Owed within a year

£39.2k

−44% from £70.3k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 02197802. 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

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

Key events (11) All events (21)

2025

8 December 2025

  • Gary Pipe became a part-owner (25–50% of shares)
  • Merle Pipe stopped being a part-owner
  • Roy Pipe stopped being a part-owner
  • Stella Shires became a part-owner (25–50% of shares)

Companies House

2016

28 April 2016

  • Merle Pipe became a part-owner (25–50% of shares)
  • Roy Pipe became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

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

FCA register

1994

23 December 1994

  • Regulated by the Personal Investment Authority from this date

FCA register

1987

24 November 1987

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (11 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Covertriumph

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

connected firms
2
share its phone number
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Covertriumph

Other firms of the same type (mortgage adviser or broker), nearest first.

In Maldon

Deane Renaut BakerMaldonAppointed representativeLgj Business Consulting LtdMaldonAppointed representativeMustard Mortgages LimitedMaldonAppointed representativeNeil SalmonMaldonAppointed representativeWilson & Anderson Financial Solutions LtdMaldonAppointed 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 Covertriumph

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 21 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Covertriumph Limited FCA authorised?
Yes, Covertriumph Limited (FRN 137997) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Covertriumph’s phone number and website?
The FCA register lists the phone number 01621 855666 and the website roypipeinsurance.co.uk for Covertriumph. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Covertriumph a scam or clone?
Covertriumph 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 Covertriumph?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Covertriumph to the Financial Ombudsman Service, free of charge.
Who owns Covertriumph?
Companies House lists 2 people with significant control of Covertriumph: Mrs. Stella Shires (25–50% of shares) and Mr. Gary Pipe (25–50% of shares). Before that, it was controlled by Mrs. Merle Pipe and Mr. Roy Pipe.
Who runs Covertriumph?
Companies House lists 4 directors of Covertriumph: Stella Shires, Paul Mark Shires, Roy Pipe and Gary Pipe.
How long has Covertriumph been in business?
The company was formed on 24 November 1987, and has held its current FCA authorisation since December 2001.
What do Covertriumph’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £337k (−9.4% from £372k) and cash at bank of £333k (−13% from £385k).
Does Covertriumph use any other names?
It trades as R Pipe Insurance Consultants. It has previously used the name R. Pipe (Life & Pensions) Consultants.

Sources and links

The full report on Covertriumph Limited

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