Cowley & Son Limited

Reference number: 981174

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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.
  • COWLEY & SON LIMITED (FRN 981174) is an AR of Golden Charter Limited (FRN 965279). When you use COWLEY & SON's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from COWLEY & SON, 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

    01285 653298

  • Address

    Triangle House, 62 Victoria Road, Cirencester, GL7 1ES, United Kingdom

In the full report: 2 background checks

  • What kind of line 01285 653298 is
  • Who else gives the postcode GL7 1ES
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Other names (4)

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

  • Blackwells of Cricklade Trading name
  • Blackwells of Swindon Trading name
  • Matthews of Malmesbury Trading name
  • Matthews of Tetbury 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
03040292
Company status
Active
Company type
Private limited company
Incorporated
31 March 1995 (31 years old)
Registered office
Triangle House, 62 Victoria Road, Cirencester, Gloucester, GL7 1ES
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Nigel Peter Keen Director Jun 1952 31 Mar 1995 3 other companies
Robert Langford Henry Orford Director Nov 1949 31 Mar 1995 4 other companies
Christine Patricia Orford Director May 1951 12 Jan 1996 1 other company
Elizabeth Anne Keen Director Sep 1951 12 Jan 1996 3 other companies
Susana Pilar Valero Secret Director Sep 1976 9 May 2025 None
Nigel Peter Keen Secretary Not published 12 Jan 1996 3 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
7
closed down
3
is FCA-registered
1

In the full report: all 7 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 one on the FCA register
  • The 2 companies these 5 directors run together
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£280k

+17% from £240k

Cash at bank

£0

−100% from £18.9k

Employees (average)

18

Same as 18

Owed within a year

£399k

−12% from £455k

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 03040292. 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

Cowley & Son’s history from the FCA register and Companies House, newest first.

Key events (3) All events (12)

2022

18 August 2022

  • Became an appointed representative

FCA register

2016

1 September 2016

  • Nigel Peter Keen gained significant control

Companies House

1995

31 March 1995

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (3 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Cowley & Son

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

connected firms
2
share a director
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Cowley & Son

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

In Cirencester

Matthews Independent Funeral Directors LimitedCirencesterAppointed representative

In the Gloucester (GL) postcode area

Alexander Burn LtdCheltenhamAppointed representativeAllen & Son LimitedAppointed representativeAllen-White LimitedStonehouseAppointed representativeErnest Heal & Sons Funeral Directors LimitedColefordAppointed representativeGraham Cocks & Martin CocksGloucesterAppointed 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 Cowley & Son

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

  • 7 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cowley & Son Limited FCA authorised?
Cowley & Son Limited (FRN 981174) 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 Cowley & Son?
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. Cowley & Son Limited (FRN 981174) is an AR of Golden Charter Limited (FRN 965279). When you use Cowley & Son's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cowley & Son, 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 Cowley & Son’s phone number?
The FCA register lists the phone number 01285 653298 for Cowley & Son. If you were given different contact details, use these to check with the firm before going any further.
Is Cowley & Son a scam or clone?
Cowley & Son 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 Cowley & Son?
Protection works through Golden Charter Limited, the principal firm responsible for Cowley & Son's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cowley & Son?
Companies House lists one person with significant control of Cowley & Son: Mr Nigel Peter Keen (significant influence or control).
Who runs Cowley & Son?
Companies House lists 5 directors of Cowley & Son: Nigel Peter Keen, Robert Langford Henry Orford, Christine Patricia Orford, Elizabeth Anne Keen and Susana Pilar Valero Secret.
How long has Cowley & Son been in business?
The company was formed on 31 March 1995.
What do Cowley & Son’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £280k (+17% from £240k) and cash at bank of £0 (−100% from £18.9k).
Does Cowley & Son use any other names?
It trades as Blackwells of Cricklade, Blackwells of Swindon, Matthews of Malmesbury and Matthews of Tetbury.

Sources and links

The full report on Cowley & Son Limited

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