Direct Commercial Limited

Reference number: 307505

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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 directcommercial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01245 459700 is
  • Who else gives the postcode CM2 5PB
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Other names (4)

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

  • Camatics Trading name
  • Haul-In-One.com Trading name
  • Haul-In-One Former trading name
  • WasteLine Former trading name

FCA permissions and consumer protection

  • 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.
  • 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.
  • 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 number
03133493
Company status
Active
Company type
Private limited company
Incorporated
4 December 1995 (30 years old)
Registered office
Redwing House Hedgerows Business Park, Colchester Road, Chelmsford, Essex, CM2 5PB, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Liam James Guilfoyle Director Apr 1982 1 Aug 2007 1 other company
Philip Michael Cunningham Director Jan 1970 20 Jan 2010 19 other companies
Carl Mark Anthony Cripps Director Mar 1968 6 May 2020 4 other companies
Christopher Joseph Webb Director Jun 1977 6 May 2020 None
Peter Houlihan Director Sep 1978 25 May 2023 None
Joseph Hantson Director Mar 1972 21 Sep 2023 None
Liam James Guilfoyle Secretary Not published 31 May 2007 1 other company

Other companies run by these 6 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
22
closed down
11
is FCA-registered
1

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 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 6 directors run together
  • All 14 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2026Group accountsAudited

Turnover

£34.4m

+1.8% from £33.8m

Profit before tax

£17.2m

−11% from £19.4m

Net assets

£31.6m

−9.2% from £34.8m

Cash at bank

£5.04m

−60% from £12.5m

Turnover and profit

In the full report: all 7 years of accounts

  • Every year from 2019 to 2026
  • Both charts, 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.

Figures from the year to 29 February 2024 are for the group: the company and the businesses it owns. Earlier years are the company’s own accounts, from before it had a group.

The figures for the year to 28 February 2026 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

Accounts filed at Companies House for company 03133493. 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

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

Key events (14) All events (47)

2026

8 September 2026

  • Hcc International Insurance Company PLC took control (75–100% of shares)
  • Philip Michael Cunningham stopped being the majority owner

Companies House

2021

8 December 2021

  • Electric Bidco Limited gave up control
  • Electric Bidco Limited took control (75–100% of shares)
  • Emma Marie Claude Cunningham stopped being a part-owner

Companies House

2018

15 August 2018

  • Stm Fidecs Trust Company Limited As Trustees Of The Carraig Employee Benefit Trust stopped being a part-owner

Companies House

2016

20 September 2016

  • Emma Marie Claude Cunningham became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Philip Michael Cunningham became the majority owner (50–75% of shares)
  • Stm Fidecs Trust Company Limited As Trustees Of The Carraig Employee Benefit Trust became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

2002

3 May 2002

  • Board replaced: both directors left and 3 new directors took over

Companies House

1995

4 December 1995

  • Incorporated at Companies House

Companies House

In the full report: all 47 events

  • All 47 events in its history (14 shown here)
  • Every director appointment and resignation: 24
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Firms connected to Direct Commercial

Other FCA-listed firms that share a director, phone number or address with Direct Commercial. 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
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Firms like Direct Commercial

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

In Chelmsford

Angel Risk Management LimitedChelmsfordAuthorisedAquamercantile LimitedChelmsfordAuthorisedAscend Broking Group LimitedChelmsfordAuthorisedBeyond Leads LimitedChelmsfordAuthorisedCallaway & Sons Insurance Consultants LimitedChelmsfordAuthorisedCentury Underwriting LimitedChelmsfordAuthorised

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 Direct Commercial

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 47 events in its history

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Frequently asked questions about this firm

Is Direct Commercial Limited FCA authorised?
Yes, Direct Commercial Limited (FRN 307505) 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 Direct Commercial’s phone number and website?
The FCA register lists the phone number 01245 459700 and the website directcommercial.co.uk for Direct Commercial. If you were given different contact details, use these to check with the firm before going any further.
Is Direct Commercial a scam or clone?
Direct Commercial 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 Direct Commercial?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Direct Commercial to the Financial Ombudsman Service, free of charge.
Who owns Direct Commercial?
Direct Commercial is owned by Hcc International Insurance Company PLC, which holds 75–100% of shares and 75–100% of votes, since 8 September 2026. Before that, it was controlled by Mr Philip Michael Cunningham, Electric Bidco Limited and Mrs Emma Marie Claude Cunningham.
Who runs Direct Commercial?
Companies House lists 6 directors of Direct Commercial: Liam James Guilfoyle, Philip Michael Cunningham, Carl Mark Anthony Cripps, Christopher Joseph Webb, Peter Houlihan and Joseph Hantson.
How long has Direct Commercial been in business?
The company was formed on 4 December 1995, and has held its current FCA authorisation since January 2005.
What do Direct Commercial’s latest accounts show?
Its latest accounts, to 28 February 2026, show turnover of £34.4m (+1.8% from £33.8m) and profit before tax of £17.2m (−11% from £19.4m).
Does Direct Commercial use any other names?
It trades as Camatics and Haul-In-One.com. It has previously used 2 other names: Haul-In-One and WasteLine.

Sources and links

The full report on Direct Commercial Limited

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