Cowbridge Travel Ltd

Reference number: 973623

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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

Rush Insurance Services Limited Reference number: 714385 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.
  • Cowbridge Travel Ltd (FRN 973623) is an AR of Rush Insurance Services Limited (FRN 714385). When you use Cowbridge Travel's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cowbridge Travel, 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.

  • No website on the FCA register

  • Phone number

    01446 688685

  • Address

    8 High Street, Cowbridge, Vale of Glamorgan, CF71 7AG, United Kingdom

In the full report: 2 background checks

  • What kind of line 01446 688685 is
  • Who else gives the postcode CF71 7AG
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rush 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, 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
13291313
Company status
Active
Company type
Private limited company
Incorporated
25 March 2021 (5 years old)
Registered office
8 High Street, Cowbridge, CF71 7AG, Wales
Nature of business
  • Travel agency activities (SIC 79110)

Directors and company secretaries

Name Role Born Appointed Other companies
Carolin Helen Fesenberg Director Jan 1982 25 Mar 2021 5 other companies
Pamela Derry Thornton Director Apr 1954 21 Apr 2021 4 other companies

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
6
still active
6
run together
3

In the full report: all 6 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 companies these 2 directors run together
  • All 3 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

−£51.0k

Down £3,468 from −£47.5k

Cash at bank

£7,376

−89% from £68.6k

Employees (average)

4

Same as 4

Owed within a year

£95.1k

−41% from £160k

Net assets are negative: on its last balance sheet the company owed £51.0k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 13291313. 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

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

Key events (9) All events (13)

2026

3 May 2026

  • Pamela Derry Thornton gave up control

Companies House

2022

6 April 2022

  • Carolin Helen Fesenberg stopped being the majority owner
  • Leila Thornton stopped being a part-owner
  • Pamela Derry Thornton took control (75–100% of shares)
  • Became an appointed representative

Companies House · FCA register

2021

25 March 2021

  • Incorporated at Companies House
  • Carolin Helen Fesenberg became the majority owner (50–75% of shares)
  • Leila Thornton became a part-owner (25–50% of shares)
  • Pamela Derry Thornton gained significant control

Companies House

In the full report: all 13 events

  • All 13 events in its history (9 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms like Cowbridge Travel

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

In the Cardiff (CF) postcode area

Absolutely No Nonsense Admin LtdCardiffAppointed representativeDVA Healthcare Solutions LtdCardiffAppointed representativeSonovate LimitedCardiffAppointed representativeAfendi Partnership LtdCardiffAppointed representativeAlexanders Financial Advisory LtdCardiffAppointed representativeArrow Mortgages LtdBridgendAppointed 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 Cowbridge Travel

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

  • 6 other companies its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Cowbridge Travel Ltd FCA authorised?
Cowbridge Travel Ltd (FRN 973623) 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 Cowbridge Travel?
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. Cowbridge Travel Ltd (FRN 973623) is an AR of Rush Insurance Services Limited (FRN 714385). When you use Cowbridge Travel's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cowbridge Travel, 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 Cowbridge Travel’s phone number?
The FCA register lists the phone number 01446 688685 for Cowbridge Travel. If you were given different contact details, use these to check with the firm before going any further.
Is Cowbridge Travel a scam or clone?
Cowbridge Travel 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 Cowbridge Travel?
Protection works through Rush Insurance Services Limited, the principal firm responsible for Cowbridge Travel's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cowbridge Travel?
Companies House lists one person with significant control of Cowbridge Travel: Ms Pamela Derry Thornton (significant influence or control). Before that, it was controlled by Ms Leila Thornton and Ms Carolin Helen Fesenberg.
Who runs Cowbridge Travel?
Companies House lists 2 directors of Cowbridge Travel: Carolin Helen Fesenberg and Pamela Derry Thornton.
How long has Cowbridge Travel been in business?
The company was formed on 25 March 2021.
What do Cowbridge Travel’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£51.0k (down £3,468 from −£47.5k) and cash at bank of £7,376 (−89% from £68.6k).

Sources and links

The full report on Cowbridge Travel Ltd

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