Cumbria Capital Ltd

Reference number: 1012921

Instant download

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Paragon Advance Ltd Reference number: 304595 Caution 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.
  • Cumbria Capital Ltd (FRN 1012921) introduces customers to Paragon Advance Ltd (FRN 304595). Any regulated advice or arranging is done by the principal, not Cumbria Capital.
  • Example: if Cumbria Capital refers you to a financial adviser, the advice should come from the principal firm, not from Cumbria Capital 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.

In the full report: 3 background checks

  • When home.cc first appeared online, and whether it can receive email
  • What kind of line 0345 017 5598 is
  • Who else gives the postcode W1W 6XH
Instant PDF download
Other names (1)

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

  • Home Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Paragon Advance 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, 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
12177019
Company status
Active
Company type
Private limited company
Incorporated
28 August 2019 (7 years old)
Registered office
101 New Cavendish Street, 1st Floor South, London, W1W 6XH, United Kingdom
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Dawson Spence Director Sep 1969 28 Aug 2019 8 other companies
Robin James Charles Paterson Director Aug 1955 1 Oct 2021 20 other companies
Joshua Ponniah Director Jul 1981 1 Oct 2021 1 other company

Other companies run by these 3 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
26
closed down
16
is FCA-registered
1

In the full report: all 26 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 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 3 directors run together
Instant PDF download

Filed accounts and finances

Year to 31 December 2024Full accountsNot audited

Net assets

£554k

Up £823k from −£269k

Cash at bank

£511k

−46% from £947k

Employees (average)

7

+40% from 5

Owed within a year

£611k

−53% from £1.29m

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2020 to 2024
  • 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.

Accounts filed at Companies House for company 12177019. 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

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

Key events (4) All events (8)

2024

7 May 2024

  • Became an introducer appointed representative

FCA register

2021

4 June 2021

  • Matthew Dawson Spence gave up control

Companies House

2019

28 August 2019

  • Incorporated at Companies House
  • Matthew Dawson Spence took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 3
Instant PDF download

Firms connected to Cumbria Capital

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
Instant PDF download

Firms like Cumbria Capital

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

In London

Airbnb UK Services LimitedLondonAppointed representativeKlarna Premium Services LtdLondonAppointed representativeTelus Health (U.K) LtdLondonAppointed representativeTurk Hava Yollari Anonim Ortakligi (Turkish Airlinesinc)LondonAppointed representativeQatar Airways QCSCLondonAppointed representativeEE LimitedLondonAppointed 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 Cumbria Capital

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

  • 26 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 8 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Cumbria Capital Ltd FCA authorised?
Cumbria Capital Ltd (FRN 1012921) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Cumbria Capital?
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. Cumbria Capital Ltd (FRN 1012921) introduces customers to Paragon Advance Ltd (FRN 304595). Any regulated advice or arranging is done by the principal, not Cumbria Capital. Example: if Cumbria Capital refers you to a financial adviser, the advice should come from the principal firm, not from Cumbria Capital 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.
What is Cumbria Capital’s phone number and website?
The FCA register lists the phone number 0345 017 5598 and the website home.cc for Cumbria Capital. If you were given different contact details, use these to check with the firm before going any further.
Is Cumbria Capital a scam or clone?
Cumbria Capital 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 Cumbria Capital?
Protection works through Paragon Advance Ltd, the principal firm responsible for Cumbria Capital's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cumbria Capital?
Companies House lists no one with significant control of Cumbria Capital now. Before that, it was controlled by Mr Matthew Dawson Spence.
Who runs Cumbria Capital?
Companies House lists 3 directors of Cumbria Capital: Matthew Dawson Spence, Robin James Charles Paterson and Joshua Ponniah.
How long has Cumbria Capital been in business?
The company was formed on 28 August 2019.
What do Cumbria Capital’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £554k (up £823k from −£269k) and cash at bank of £511k (−46% from £947k).
Does Cumbria Capital use any other names?
It trades as Home.

Sources and links

The full report on Cumbria Capital Ltd

£19.99 · Instant PDF download

Loading secure checkout…