Credent Commercial Insurance Ltd

Reference number: 304700

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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 credentinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01492 524790 is
  • Who else gives the postcode LL17 0JE
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Other names (2)

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

  • Rhos Insurance Services Limited Former name: A name it was registered under before.
  • P.J. Brooks & Co. Former trading name: A name it used to trade under.

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.
  • 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 (8 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-collecting
  • 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 status
Active
Company type
Private limited company
Incorporated
24 March 2004 (22 years old)
Registered office
13 Trinity Square, Llandudno, North Wales, LL30 2RB
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Jeffrey Niel Jones Director Mar 1973 2 Feb 2016 6 other companies

Other companies run by its director

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
closed down
4
still active
2

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 6 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

£438k

+29% from £340k

Cash at bank

£510k

+66% from £308k

Employees (average)

0

Same as 0

Owed within a year

£552k

+66% from £333k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 05083057. 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

Credent Commercial Insurance’s history from the FCA register and Companies House, newest first.

2019

4 June 2019

  • Credent Holdings Ltd gave up control
  • Rockholme Broking (UK) Limited took control (75–100% of shares)

Companies House

2017

24 March 2017

  • Credent Holdings Ltd took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

2 March 2010

  • Changed its registered name from "Rhos Insurance Services Limited"

FCA register

2005

14 January 2005

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

FCA register

2004

24 March 2004

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (8 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Credent Commercial Insurance

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Credent Commercial Insurance

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

In St. Asaph

In the Llandudno (LL) postcode area

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 Credent Commercial Insurance

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 22 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Credent Commercial Insurance Ltd FCA authorised?
Yes, Credent Commercial Insurance Ltd (FRN 304700) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Credent Commercial Insurance’s phone number and website?
The FCA register lists the phone number 01492 524790 and the website credentinsurance.co.uk for Credent Commercial Insurance. If you were given different contact details, use these to check with the firm before going any further.
Is Credent Commercial Insurance a scam or clone?
Credent Commercial Insurance 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 Credent Commercial Insurance?
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 Credent Commercial Insurance to the Financial Ombudsman Service, free of charge.
Who owns Credent Commercial Insurance?
Credent Commercial Insurance is owned by Rockholme Broking (UK) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 4 June 2019. Before that, it was controlled by Credent Holdings Ltd.
Who runs Credent Commercial Insurance?
Companies House lists one director of Credent Commercial Insurance: Jeffrey Niel Jones.
How long has Credent Commercial Insurance been in business?
The company was formed on 24 March 2004, and has held its current FCA authorisation since January 2005.
What do Credent Commercial Insurance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £438k (+29% from £340k) and cash at bank of £510k (+66% from £308k).
Does Credent Commercial Insurance use any other names?
It has previously used 2 other names: Rhos Insurance Services Limited and P.J. Brooks & Co..

Sources and links

The full report on Credent Commercial Insurance Ltd

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