Harbour Funerals Limited

Reference number: 828385

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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

MEMORIA FUNERAL PLANS LIMITED Reference number: 965287 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.
  • HARBOUR FUNERALS LIMITED (FRN 828385) introduces customers to MEMORIA FUNERAL PLANS LIMITED (FRN 965287). Any regulated advice or arranging is done by the principal, not HARBOUR FUNERALS.
  • Example: if HARBOUR FUNERALS refers you to a financial adviser, the advice should come from the principal firm, not from HARBOUR FUNERALS 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, 2 things worth a closer look

  • When directcremation.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 133 7961 is
  • Whether EC1V 2NX is a shared office: 214 other firms give it
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Other names (3)

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

  • directcremations.co.uk Trading name
  • London Funerals Trading name
  • Legacy Funerals Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Memoria Funeral Plans 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
10097552
Company status
Active
Company type
Private limited company
Incorporated
1 April 2016 (10 years old)
Registered office
124 City Road, London, EC1V 2NX, England
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Cains Director Jul 1985 1 Apr 2016 4 other companies

Other companies run by its director

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
4

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£213k

+164% from £80.8k

Cash at bank

£98.1k

No earlier figure to compare

Employees (average)

2

+100% from 1

Owed within a year

£83.9k

+373% from £17.7k

Assets and liabilities

In the full report: all 7 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.

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

Accounts filed at Companies House for company 10097552. 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

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

Key events (4) All events (10)

2021

17 February 2021

  • Changed its registered name from "Legacy Funerals Limited"

FCA register

2018

12 December 2018

  • Became an introducer appointed representative

FCA register

2016

6 April 2016

  • Steven Cains took control (75–100% of shares)

Companies House

1 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like Harbour Funerals

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

In London

A. Galla Funeral Directors LtdLondonAppointed representativeA.France & Son (Holborn) LimitedLondonAppointed representativeAndrew Johnson Funeral Services LimitedLondonAppointed representativeBequeathed LimitedLondonNo longer authorisedDemetriou and English Funeral Directors LimitedLondonAppointed representativeE. C. Mills LimitedLondonAppointed 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 Harbour Funerals

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, 2 flagged
  • 7 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Harbour Funerals Limited FCA authorised?
Harbour Funerals Limited (FRN 828385) 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 Harbour Funerals?
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. Harbour Funerals Limited (FRN 828385) introduces customers to MEMORIA FUNERAL PLANS LIMITED (FRN 965287). Any regulated advice or arranging is done by the principal, not Harbour Funerals. Example: if Harbour Funerals refers you to a financial adviser, the advice should come from the principal firm, not from Harbour Funerals 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 Harbour Funerals’ phone number and website?
The FCA register lists the phone number 0800 133 7961 and the website directcremation.co.uk for Harbour Funerals. If you were given different contact details, use these to check with the firm before going any further.
Is Harbour Funerals a scam or clone?
Harbour Funerals 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 Harbour Funerals?
Protection works through Memoria Funeral Plans Limited, the principal firm responsible for Harbour Funerals's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Harbour Funerals?
Companies House lists one person with significant control of Harbour Funerals: Mr Steven Cains (75–100% of shares).
Who runs Harbour Funerals?
Companies House lists one director of Harbour Funerals: Steven Cains.
How long has Harbour Funerals been in business?
The company was formed on 1 April 2016.
What do Harbour Funerals’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £213k (+164% from £80.8k) and cash at bank of £98.1k (no earlier figure to compare).
Does Harbour Funerals use any other names?
It trades as directcremations.co.uk and London Funerals. It has previously used the name Legacy Funerals Limited.

Sources and links

The full report on Harbour Funerals Limited

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