Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 11 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 30 April 2025
Responsible principal firm
Essential Finance Group Management Limited Reference number: 782710 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Essential Finance Group (UK) Ltd (FRN 664982) is an AR of Essential Finance Group Management Limited (FRN 782710). When you use Essential Finance Group (UK)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Essential Finance Group (UK), complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- 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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No website on the FCA register
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Phone number
-
Address
3rd Floor, Marshall House, 2 Park Avenue, Sale, Greater Manchester, M33 6HE, United Kingdom
In the full report: 2 background checks
- What kind of line 0800 612 8005 is
- Who else gives the postcode M33 6HE
Other names (1)
If you were contacted under any of these names, it is this firm.
- Essential Insurance Services Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Essential Finance Group Management 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, 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 name
- ESSENTIAL FINANCE GROUP (UK) LIMITED
- Company number
- 09357808 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 December 2014 (11 years old)
- Registered office
- 1st Floor Cloister House Riverside, New Bailey Street, Manchester, M3 5FS, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jonathan Christopher Bentley | Director | Jan 1978 | 17 Dec 2014 | 8 other companies |
| Emma Louise Francis Robinson | Secretary | Not published | 22 Jan 2026 | – |
Other companies run by its director
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
- 8
- closed down
- 1
- are FCA-registered
- 4
In the full report: all 8 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The 4 on the FCA register
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£174k
−1.6% from £177k
Cash at bank
£84.9k
+88% from £45.2k
Owed within a year
£843k
+19% from £706k
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
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 09357808. 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
Essential Finance Group (UK)’s history from the FCA register and Companies House, newest first.
2021
26 February 2021
- Jonathan Christopher Bentley stopped being a part-owner
- Peronico Limited took control (75–100% of shares)
- Robert Charles White stopped being a part-owner
Companies House
2016
6 April 2016
- Jonathan Christopher Bentley became a part-owner (25–50% of shares)
- Robert Charles White became a part-owner (25–50% of shares)
Companies House
2015
14 January 2015
- Became an appointed representative
FCA register
2014
17 December 2014
- Incorporated at Companies House
Companies House
In the full report: all 11 events
- All 11 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms connected to Essential Finance Group (UK)
Other FCA-listed firms that share a director, phone number or address with Essential Finance Group (UK). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 6
- share a director
- 4
- share its postcode
- 5
In the full report: all 6 connected firms, named
- How each is linked: shared directors (4), the same postcode (5)
- Who links each one: the named directors, with dates
Firms like Essential Finance Group (UK)
Other firms of the same type (insurance broker), nearest first.
In Sale
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 Essential Finance Group (UK)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 11 events in its history
- 6 connected firms, named, and who links them
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Frequently asked questions about this firm
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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