F. Irving & Son Limited

Reference number: 983440

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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.

Responsible principal firm

Golden Charter Limited Reference number: 965279 Authorised 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.
  • F. IRVING & SON LIMITED (FRN 983440) is an AR of Golden Charter Limited (FRN 965279). When you use F. IRVING & SON's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from F. IRVING & SON, 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.

  • No website on the FCA register

  • Phone number

    01946 810473

  • Address

    152 Main Street, Frizington, Cumbria, CA26 3SB, United Kingdom

In the full report: 2 background checks

  • What kind of line 01946 810473 is
  • Who else gives the postcode CA26 3SB
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Other names (1)

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

  • Mr M K Irving & Mr S Irving Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Golden Charter 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
16590874
Company status
Active
Company type
Private limited company
Incorporated
18 July 2025 (1 year old)
Registered office
152 Main Street, Frizington, Cumbria, CA26 3SB, United Kingdom
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Malcolm Irving Director Oct 1966 18 Jul 2025 None
Stephen Irving Director Aug 1970 18 Jul 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£159k

No earlier figure to compare

Employees (average)

3

No earlier figure to compare

Owed within a year

£89.9k

No earlier figure to compare

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 16590874. 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

F. Irving & Son’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2025

12 August 2025

  • Changed its registered name from "Mr M K Irving & Mr S Irving"

FCA register

18 July 2025

  • Incorporated at Companies House
  • Malcolm Irving became a part-owner (25–50% of shares)
  • Stephen Irving became a part-owner (25–50% of shares)

Companies House

2022

15 September 2022

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like F. Irving & Son

Other firms of the same type (funeral director), nearest first.

In the Carlisle (CA) postcode area

A & S Smyth & E MessengerPenrithAppointed representativeAdams Read and Hocking (Funeral Directors) LimitedCleatorAppointed representativeJill Glencross Independent Funeral Directors LtdCarlisleAppointed representativeJohn Sandelands (Funeral Directors) LimitedWorkingtonAppointed representativeJohn, David & Margaret YeowartWhitehavenAppointed representativeR. N. Chicken LimitedCockermouthAppointed 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 F. Irving & Son

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 8 events in its history

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Frequently asked questions about this firm

Is F. Irving & Son Limited FCA authorised?
F. Irving & Son Limited (FRN 983440) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for F. Irving & Son?
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. F. Irving & Son Limited (FRN 983440) is an AR of Golden Charter Limited (FRN 965279). When you use F. Irving & Son's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from F. Irving & Son, 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.
What is F. Irving & Son’s phone number?
The FCA register lists the phone number 01946 810473 for F. Irving & Son. If you were given different contact details, use these to check with the firm before going any further.
Is F. Irving & Son a scam or clone?
F. Irving & Son 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 F. Irving & Son?
Protection works through Golden Charter Limited, the principal firm responsible for F. Irving & Son's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns F. Irving & Son?
Companies House lists 2 people with significant control of F. Irving & Son: Mr Stephen Irving (25–50% of shares) and Mr Malcolm Irving (25–50% of shares).
Who runs F. Irving & Son?
Companies House lists 2 directors of F. Irving & Son: Malcolm Irving and Stephen Irving.
How long has F. Irving & Son been in business?
The company was formed on 18 July 2025.
What do F. Irving & Son’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £159k (no earlier figure to compare).
Does F. Irving & Son use any other names?
It has previously used the name Mr M K Irving & Mr S Irving.

Sources and links

The full report on F. Irving & Son Limited

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