Gleaming Risk Services Ltd
Reference number: 842240
Instant download
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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 30 May 2024
Responsible principal firm
JMG Insurance Brokers Limited Reference number: 116687 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.
- Gleaming Risk Services Ltd (FRN 842240) is an AR of JMG Insurance Brokers Limited (FRN 116687). When you use Gleaming Risk Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Gleaming Risk Services, 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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Phone number
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Address
Gleaming Insurance Services, Wigan Investment Centre, Waterside Drive, Wigan, Greater Manchester, WN3 5BA, United Kingdom
In the full report: 3 background checks
- When gleamingriskservices.co.uk first appeared online, and whether it can receive email
- What kind of line 0845 474 0068 is
- Who else gives the postcode WN3 5BA
Other names (1)
If you were contacted under any of these names, it is this firm.
- Gleaming Insurance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through JMG 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, 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 number
- 11977030 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 May 2019 (7 years old)
- Registered office
- Elmwood House Ghyll Royd, Guiseley, Leeds, LS20 9LT, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Martin Gerard Holden | Director | Jun 1969 | 3 May 2019 | 3 other companies |
| Kathren Wright | Director | Feb 1972 | 26 Feb 2026 | 79 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
- 82
- closed down
- 5
- are FCA-registered
- 35
In the full report: all 82 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 35 on the FCA register, including one no longer authorised
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£533k
+41% from £379k
Cash at bank
£73.0k
−7.3% from £78.7k
Employees (average)
9
Same as 9
Owed within a year
£229k
−11% from £258k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2020 to 2024
- 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 11977030. 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
Gleaming Risk Services’s history from the FCA register and Companies House, newest first.
2024
31 May 2024
- J.M. Glendinning Group Limited took control (75–100% of shares)
- Karl John Toogood stopped being a part-owner
- Martin Gerard Holden stopped being a part-owner
- Neil Reid stopped being a part-owner
Companies House
2019
16 May 2019
- Became an appointed representative
FCA register
3 May 2019
- Incorporated at Companies House
- Karl John Toogood became a part-owner (25–50% of shares)
- Martin Gerard Holden became a part-owner (25–50% of shares)
- Neil Reid became a part-owner (25–50% of shares)
Companies House
In the full report: all 18 events
- All 18 events in its history (9 shown here)
- Every director appointment and resignation: 6
Firms connected to Gleaming Risk Services
Other FCA-listed firms that share a director, phone number or address with Gleaming Risk Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Gleaming Risk Services
Other firms of the same type (insurance broker), nearest first.
In Wigan
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 Gleaming Risk Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 82 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 18 events in its history
- 3 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