Grs Insulation Limited

Reference number: 1038684

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

HTG Finance Limited Reference number: 825534 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • GRS INSULATION LIMITED (FRN 1038684) introduces customers to HTG Finance Limited (FRN 825534). Any regulated advice or arranging is done by the principal, not GRS INSULATION.
  • Example: if GRS INSULATION refers you to a financial adviser, the advice should come from the principal firm, not from GRS INSULATION itself.
  • 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 grsinsulation.co.uk first appeared online, and whether it can receive email
  • What kind of line 01642 433287 is
  • Who else gives the postcode TS7 0JU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HTG Finance 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
12292953
Company status
Active
Company type
Private limited company
Incorporated
1 November 2019 (6 years old)
Registered office
7 Morton Carr Lane, Nunthorpe, Middlesbrough, TS7 0JU, England
Nature of business
  • Other construction installation (SIC 43290)

Directors and company secretaries

Name Role Born Appointed Other companies
Gary Joseph Finnegan Director Feb 1968 1 Nov 2019 4 other companies
Sheila Finnegan Director Sep 1970 2 Oct 2025 None

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
4
closed down
2
went insolvent
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
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Filed accounts and finances

Year to 30 November 2024Small company accountsNot audited

Net assets

£158k

−51% from £324k

Cash at bank

£13.1k

−60% from £33.0k

Employees (average)

8

−11% from 9

Owed within a year

£231k

−29% from £325k

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
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 12292953. 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

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

Key events (4) All events (9)

2025

28 July 2025

  • Became an introducer appointed representative

FCA register

2021

31 October 2021

  • Sheila Finnegan became a part-owner (25–50% of shares)

Companies House

2019

1 November 2019

  • Incorporated at Companies House
  • Gary Joseph Finnegan became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Grs Insulation

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Grs Insulation

Other firms of the same type (home improvement or trades), nearest first.

In Middlesbrough

Bespoke Heating NE LtdMiddlesbroughAppointed representativeBM BI Folding Doors Ltd.MiddlesbroughAppointed representativeDesign Build Space LtdMiddlesbroughAppointed representativeFewster Installations LtdMiddlesbroughAppointed representativeHsa Plumbing and Heating LimitedMiddlesbroughAppointed representativeLLV Electrical LtdMiddlesbroughAppointed 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 Grs Insulation

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Grs Insulation Limited FCA authorised?
Grs Insulation Limited (FRN 1038684) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Grs Insulation?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Grs Insulation Limited (FRN 1038684) introduces customers to HTG Finance Limited (FRN 825534). Any regulated advice or arranging is done by the principal, not Grs Insulation. Example: if Grs Insulation refers you to a financial adviser, the advice should come from the principal firm, not from Grs Insulation itself. 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 Grs Insulation’s phone number and website?
The FCA register lists the phone number 01642 433287 and the website grsinsulation.co.uk for Grs Insulation. If you were given different contact details, use these to check with the firm before going any further.
Is Grs Insulation a scam or clone?
Grs Insulation 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 Grs Insulation?
Protection works through HTG Finance Limited, the principal firm responsible for Grs Insulation's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Grs Insulation?
Companies House lists 2 people with significant control of Grs Insulation: Mr Gary Joseph Finnegan (25–50% of shares) and Mrs Sheila Finnegan (25–50% of shares).
Who runs Grs Insulation?
Companies House lists 2 directors of Grs Insulation: Gary Joseph Finnegan and Sheila Finnegan.
How long has Grs Insulation been in business?
The company was formed on 1 November 2019.
What do Grs Insulation’s latest accounts show?
Its latest accounts, to 30 November 2024, show net assets of £158k (−51% from £324k) and cash at bank of £13.1k (−60% from £33.0k).

Sources and links

The full report on Grs Insulation Limited

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