Fairtrades Limited

Reference number: 405069

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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

HOMEPRO LTD. Reference number: 304449 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.
  • Fairtrades Limited (FRN 405069) is an AR of HOMEPRO LTD. (FRN 304449). When you use Fairtrades's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fairtrades, 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.

In the full report: 3 background checks

  • When homepro.com first appeared online, and whether it can receive email
  • What kind of line 0870 738 4858 is
  • Who else gives the postcode CH47 2EE
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Other names (1)

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

  • Homepro Insurance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Homepro Ltd., 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
01813671
Company status
Active
Company type
Private limited company
Incorporated
3 May 1984 (42 years old)
Registered office
Maple House Park West, Sealand Road, Chester, CH1 4RN, United Kingdom
Nature of business
  • Activities of business and employers membership organisations (SIC 94110)

Directors and company secretaries

Name Role Born Appointed Other companies
Sean Gerald O'Keeffe Director Jul 1963 27 Sep 2010 7 other companies
Michael John Thorpe Director Dec 1977 1 Dec 2022 24 other companies

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
29
closed down
10
are FCA-registered
6

In the full report: all 29 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 6 on the FCA register
  • The 2 companies these 2 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£345k

No earlier figure to compare

Cash at bank

£103k

+3.9% from £98.7k

Owed within a year

£48.6k

−50% from £97.5k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 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.

Accounts filed at Companies House for company 01813671. 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

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

Key events (4) All events (16)

2016

6 April 2016

  • Homepro Ltd. took control (75–100% of shares)

Companies House

2005

14 January 2005

  • Became an appointed representative

FCA register

2000

22 February 2000

  • Board replaced: all 3 directors left and a new director took over

Companies House

1984

3 May 1984

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (4 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Fairtrades

Other FCA-listed firms that share a director, phone number or address with Fairtrades. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
4
past links
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Fairtrades

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

In the Chester (CH) postcode area

Sykes Cottages LtdChesterAppointed representativeStephen OakesWirralAppointed representativeNautilus InternationalWallaseyAppointed representativeA55 Health & Protection LtdChesterAppointed representativeAcorn4Mortgages LtdMoldAppointed representativeC&C Insurance Brokers (Chester) LimitedChesterAppointed 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 Fairtrades

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

  • 29 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 16 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fairtrades Limited FCA authorised?
Fairtrades Limited (FRN 405069) 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 Fairtrades?
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. Fairtrades Limited (FRN 405069) is an AR of HOMEPRO LTD. (FRN 304449). When you use Fairtrades's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fairtrades, 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 Fairtrades’ phone number and website?
The FCA register lists the phone number 0870 738 4858 and the website homepro.com for Fairtrades. If you were given different contact details, use these to check with the firm before going any further.
Is Fairtrades a scam or clone?
Fairtrades 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 Fairtrades?
Protection works through Homepro Ltd., the principal firm responsible for Fairtrades's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fairtrades?
Fairtrades is owned by Homepro Ltd., which holds 75–100% of shares, since 6 April 2016.
Who runs Fairtrades?
Companies House lists 2 directors of Fairtrades: Sean Gerald O'Keeffe and Michael John Thorpe.
How long has Fairtrades been in business?
The company was formed on 3 May 1984.
What do Fairtrades’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £345k (no earlier figure to compare) and cash at bank of £103k (+3.9% from £98.7k).
Does Fairtrades use any other names?
It trades as Homepro Insurance.

Sources and links

The full report on Fairtrades Limited

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