E-Crunch Ltd

Reference number: 531637

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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.

Responsible principal firm

Seico Insurance & Mortgages Limited Reference number: 300024 Authorised 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.
  • E-Crunch Ltd (FRN 531637) introduces customers to Seico Insurance & Mortgages Limited (FRN 300024). Any regulated advice or arranging is done by the principal, not E-Crunch.
  • Example: if E-Crunch refers you to a financial adviser, the advice should come from the principal firm, not from E-Crunch 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 crunch.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 318 000 is
  • Who else gives the postcode BN1 6AF
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Other names (3)

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

  • Crunch Trading name
  • Crunch Financial Services Trading name
  • Crunch Insurance Services Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Seico Insurance & Mortgages 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
06014477
Company status
Active
Company type
Private limited company
Incorporated
30 November 2006 (19 years old)
Registered office
86-90 Paul Street, London, EC2A 4NE, England
Nature of business
  • Other software publishing (SIC 58290)
  • Activities of head offices (SIC 70100)

Directors and company secretaries

Name Role Born Appointed Other companies
Darren James Fell Director Jan 1969 30 Aug 2007 10 other companies
Guy Bruce Myles Director Feb 1973 5 Oct 2016 27 other companies
Renatus Wilhelmus Johannes Moolenaar Director May 1962 21 Jul 2023 18 other companies
Stephen Albert James Paynter Director Feb 1967 21 Jul 2023 5 other companies
Ben King Director Feb 1976 30 Aug 2023 None
Stephen Paynter Secretary Not published 14 Jun 2016 –

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
56
closed down
23
are FCA-registered
4

In the full report: all 56 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 4 on the FCA register
  • The 4 companies these 5 directors run together
  • All 12 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

£3.34m

No earlier figure to compare

Cash at bank

£391k

−20% from £486k

Employees (average)

92

−21% from 116

Owed within a year

£1.59m

−47% from £3.02m

Assets and liabilities

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 06014477. 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

E-Crunch’s history from the FCA register and Companies House, newest first.

Key events (4) All events (28)

2024

8 August 2024

  • Dns Associates Ltd became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Darren James Fell became a part-owner (25–50% of shares)

Companies House

2010

15 September 2010

  • Became an introducer appointed representative

FCA register

2006

30 November 2006

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (4 shown here)
  • Every director appointment and resignation: 21
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Firms connected to E-Crunch

Other FCA-listed firms that share a director, phone number or address with E-Crunch. 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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Get the full report on E-Crunch

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

  • 56 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 28 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is E-Crunch Ltd FCA authorised?
E-Crunch Ltd (FRN 531637) 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 E-Crunch?
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. E-Crunch Ltd (FRN 531637) introduces customers to Seico Insurance & Mortgages Limited (FRN 300024). Any regulated advice or arranging is done by the principal, not E-Crunch. Example: if E-Crunch refers you to a financial adviser, the advice should come from the principal firm, not from E-Crunch 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 E-Crunch’s phone number and website?
The FCA register lists the phone number 0333 318 000 and the website crunch.co.uk for E-Crunch. If you were given different contact details, use these to check with the firm before going any further.
Is E-Crunch a scam or clone?
E-Crunch 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 E-Crunch?
Protection works through Seico Insurance & Mortgages Limited, the principal firm responsible for E-Crunch's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns E-Crunch?
Companies House lists 2 people with significant control of E-Crunch: Dns Associates Ltd (25–50% of shares) and Mr Darren James Fell (25–50% of shares).
Who runs E-Crunch?
Companies House lists 5 directors of E-Crunch: Darren James Fell, Guy Bruce Myles, Renatus Wilhelmus Johannes Moolenaar, Stephen Albert James Paynter and Ben King.
How long has E-Crunch been in business?
The company was formed on 30 November 2006.
What do E-Crunch’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £3.34m (no earlier figure to compare) and cash at bank of £391k (−20% from £486k).
Does E-Crunch use any other names?
It trades as Crunch, Crunch Financial Services and Crunch Insurance Services.

Sources and links

The full report on E-Crunch Ltd

£19.99 · Instant PDF download

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