Crystal Life Planning Limited
Reference number: 1011792
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2018
- Accounts filed up to 31 May 2025
- On its latest accounts it owed £17.9k more than it owned
- 1 thing worth a closer look in the background checks
Responsible principal firm
Crystal Cremations Ltd Reference number: 961835 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Crystal Life Planning Limited (FRN 1011792) introduces customers to Crystal Cremations Ltd (FRN 961835). Any regulated advice or arranging is done by the principal, not Crystal Life Planning.
- Example: if Crystal Life Planning refers you to a financial adviser, the advice should come from the principal firm, not from Crystal Life Planning itself.
- 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.
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Phone number
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Address
The Old Mill House, Blackburn Road, Egerton, Bolton, Bolton, BL7 9RP, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When crystallifeplanning.co.uk first appeared online, and whether it can receive email
- What kind of line 01204 867871 is
- Who else gives the postcode BL7 9RP
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Crystal Cremations Ltd, 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, freeYou 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
- 11388465 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 May 2018 (8 years old)
- Registered office
- Crystal House 116a Darwen Road, Bromley Cross, Bolton, BL7 9BQ, England
- Nature of business
-
- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Darren Cresswell | Director | May 1964 | 30 May 2018 | 3 other companies |
| Martin Mortimer Gundlach | Director | Jan 1969 | 6 Oct 2022 | 2 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
- 3
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 3 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 one on the FCA register
- The 2 companies these 2 directors run together
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£17.9k
No earlier figure to compare
Owed within a year
£41.7k
−9.2% from £46.0k
Net assets are negative: on its last balance sheet the company owed £17.9k more than it owned.
Total equity
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
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 11388465. 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
Crystal Life Planning’s history from the FCA register and Companies House, newest first.
2024
11 June 2024
- Became an introducer appointed representative
FCA register
2022
6 October 2022
- Martin Mortimer Gundlach became a part-owner (25–50% of shares)
Companies House
2020
31 July 2020
- Karl Bowker stopped being a part-owner
Companies House
2018
30 May 2018
- Incorporated at Companies House
- Andrew Darren Cresswell became a part-owner (25–50% of shares)
- Karl Bowker became a part-owner (25–50% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (6 shown here)
- Every director appointment and resignation: 8
Firms connected to Crystal Life Planning
Other FCA-listed firms that share a director, phone number or address with Crystal Life Planning. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 1
- share its postcode
- 2
In the full report: all 3 connected firms, named
- How each is linked: shared directors (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Crystal Life Planning
Other firms of the same type (funeral director), nearest first.
In Bolton
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 Crystal Life Planning
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 14 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do Crystal Life Planning’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk