Financial Affairs Insurance Solutions Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 6 years
Your funds are protected by FSCS
No FCA actions
Active company since 2019
Accounts filed up to 31 May 2025
Its whole board of directors changed in November 2023

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.

Website

financialaffairs.co.uk (opens in a new tab)
Phone number

01282 452255
Address

Suite 36, Northlight Pendle, Northlight Parade, Brierfield, Nelson, Lancashire, BB9 5FG, United Kingdom

In the full report: 3 background checks

When financialaffairs.co.uk first appeared online, and whether it can receive email
What kind of line 01282 452255 is, and the other firm that gives it
Who else gives the postcode BB9 5FG

Other names (5)

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

Financial Affairs Trading name: A name it trades under now.
Margins Insurance Service Trading name: A name it trades under now.
Owen & Ewing Trading name: A name it trades under now.
Applegate IB Ltd Former name: A name it was registered under before.
Margins (Insurance Services) Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Sell or arrange insurance FSCS may apply
Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (7 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Dealing in investments as agent
Debt Administration
Making arrangements with a view to transactions in investments

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: 12194933 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 September 2019 (7 years old)
Registered office: 36b Northlight, Northlight Parade, Pendle, BB9 5EG, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Laurence Christian Thomas O'Connor	Director	Dec 1984	30 Nov 2023	7 other companies
Alan David Walsh	Director	Mar 1984	30 Nov 2023	7 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: 7
closed down: 2
are FCA-registered: 2

In the full report: all 7 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 2 on the FCA register
The 7 companies these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

17 months to 31 May 2025Full accountsNot audited

Net assets

£239k

+314% from £57.6k

Cash at bank

£6,384

−72% from £23.2k

Owed within a year

£254k

+469% from £44.6k

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 12194933. 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

Financial Affairs Insurance Solutions’s history from the FCA register and Companies House, newest first.

Key events (8) All events (19)

2024

19 July 2024

Changed its registered name from "Applegate IB Ltd"

FCA register

2023

30 November 2023

Board replaced: its only director left and 2 new directors took over
Financial Affairs Holdings Limited took control (75–100% of shares)
Stuart Frederick Applegate gave up control

Companies House

2020

28 September 2020

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2019

9 September 2019

Incorporated at Companies House
Stuart Frederick Applegate took control (75–100% of shares)

Companies House

In the full report: all 19 events

All 19 events in its history (8 shown here)
Every director appointment and resignation: 4

Firms connected to Financial Affairs Insurance Solutions

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

connected firms: 2
share a director: 2
share its phone number: 1

In the full report: all 2 connected firms, named

How each is linked: shared directors (2), the same phone number (1)
Who links each one: the named directors, with dates

Firms like Financial Affairs Insurance Solutions

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

In Nelson

Backhouse Insurance Brokers LimitedNelsonAuthorised I.a.m Claims Consultants LimitedNelsonAuthorised

In the Blackburn (BB) postcode area

Brown & Brown Health and Employee Benefits LimitedBlackburnAuthorised 247 Home Assist LimitedBurnleyAuthorised Aspray Affinity LimitedDarwenAuthorised Cover My Bubble LtdAlthamAuthorised

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 Financial Affairs Insurance Solutions

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

7 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 19 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Financial Affairs Insurance Solutions Limited FCA authorised?

Yes, Financial Affairs Insurance Solutions Limited (FRN 924720) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2020 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Financial Affairs Insurance Solutions’ phone number and website?

The FCA register lists the phone number 01282 452255 and the website financialaffairs.co.uk for Financial Affairs Insurance Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Financial Affairs Insurance Solutions a scam or clone?

Financial Affairs Insurance Solutions 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 Financial Affairs Insurance Solutions?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Financial Affairs Insurance Solutions to the Financial Ombudsman Service, free of charge.

Who owns Financial Affairs Insurance Solutions?

Financial Affairs Insurance Solutions is owned by Financial Affairs Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 November 2023. Before that, it was controlled by Mr Stuart Frederick Applegate.

Who runs Financial Affairs Insurance Solutions?

Companies House lists 2 directors of Financial Affairs Insurance Solutions: Laurence Christian Thomas O'Connor and Alan David Walsh.

How long has Financial Affairs Insurance Solutions been in business?

The company was formed on 9 September 2019, and has held its current FCA authorisation since September 2020.

What do Financial Affairs Insurance Solutions’ latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £239k (+314% from £57.6k) and cash at bank of £6,384 (−72% from £23.2k).

Does Financial Affairs Insurance Solutions use any other names?

It trades as Financial Affairs, Margins Insurance Service and Owen & Ewing. It has previously used 2 other names: Applegate IB Ltd and Margins (Insurance Services).