Elmfield UK Limited

Reference number: 1045477

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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

Arthur J. Gallagher Insurance Brokers Limited Reference number: 311786 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.
  • Elmfield UK Limited (FRN 1045477) introduces customers to Arthur J. Gallagher Insurance Brokers Limited (FRN 311786). Any regulated advice or arranging is done by the principal, not Elmfield UK.
  • Example: if Elmfield UK refers you to a financial adviser, the advice should come from the principal firm, not from Elmfield UK 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.

  • No website on the FCA register

  • Phone number

    07880 871134

  • Address

    5 Farrington Street, Chorley, PR7 1DY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07880 871134 is
  • Who else gives the postcode PR7 1DY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Arthur J. Gallagher Insurance Brokers 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
05227156
Company status
Active
Company type
Private limited company
Incorporated
9 September 2004 (22 years old)
Registered office
5 Farrington Street, Chorley, PR7 1DY, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Neil Gerrard Director Feb 1961 9 Sep 2004 30 other companies
Caroline Anne Gerrard Director Mar 1964 1 Sep 2008 3 other companies
Caroline Anne Gerrard Secretary Not published 9 Sep 2004 –

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
30
closed down
14
run together
3

In the full report: all 30 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 3 companies these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

−£109k

Down £41.7k from −£67.1k

Employees (average)

2

Same as 2

Owed within a year

£19.5k

−78% from £89.2k

Net assets are negative: on its last balance sheet the company owed £109k more than it owned.

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 05227156. 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

Elmfield UK’s history from the FCA register and Companies House, newest first.

2025

27 November 2025

  • Became an introducer appointed representative

FCA register

2016

1 September 2016

  • Caroline Anne Gerrard became a part-owner (25–50% of shares)
  • Philip Neil Gerrard became a part-owner (25–50% of shares)

Companies House

2008

1 September 2008

  • Caroline Anne Gerrard appointed as a director

Companies House

2004

9 September 2004

  • Incorporated at Companies House
  • Philip Neil Gerrard appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Elmfield UK

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

In Chorley

Churchside Financial Planning LtdChorleyAppointed representativeJ & A Rigbye & SonsChorleyAppointed representativeSolutions Mortgage Centre LimitedChorleyAppointed representativeSomos Accounting LimitedChorleyAppointed representativeMcHale Baker LtdChorleyAppointed representativePanache Travel Group LimitedChorleyAppointed 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 Elmfield UK

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

  • 30 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Elmfield UK Limited FCA authorised?
Elmfield UK Limited (FRN 1045477) 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 Elmfield UK?
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. Elmfield UK Limited (FRN 1045477) introduces customers to Arthur J. Gallagher Insurance Brokers Limited (FRN 311786). Any regulated advice or arranging is done by the principal, not Elmfield UK. Example: if Elmfield UK refers you to a financial adviser, the advice should come from the principal firm, not from Elmfield UK 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 Elmfield UK’s phone number?
The FCA register lists the phone number 07880 871134 for Elmfield UK. If you were given different contact details, use these to check with the firm before going any further.
Is Elmfield UK a scam or clone?
Elmfield UK 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 Elmfield UK?
Protection works through Arthur J. Gallagher Insurance Brokers Limited, the principal firm responsible for Elmfield UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Elmfield UK?
Companies House lists 2 people with significant control of Elmfield UK: Mr Philip Neil Gerrard (25–50% of shares) and Mrs Caroline Anne Gerrard (25–50% of shares).
Who runs Elmfield UK?
Companies House lists 2 directors of Elmfield UK: Philip Neil Gerrard and Caroline Anne Gerrard.
How long has Elmfield UK been in business?
The company was formed on 9 September 2004.
What do Elmfield UK’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£109k (down £41.7k from −£67.1k).

Sources and links

The full report on Elmfield UK Limited

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