Holgate Insurance Brokers Ltd

Reference number: 308246

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Authorised by the FCA

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

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 holgate.co.uk first appeared online, and whether it can receive email
  • What kind of line 01708 438000 is, and the other firm that gives it
  • Who else gives the postcode RM12 6JL
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Other names (2)

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

  • Holgate Financial Services Trading name
  • Holgate Insurance Corporate Risks Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
00945042
Company status
Active
Company type
Private limited company
Incorporated
31 December 1968 (57 years old)
Registered office
31 Station Lane, Hornchurch, RM12 6JL, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Karen Mary Watts Director Jun 1958 1 Jan 2012 None
Alexandra Sillett Director Mar 1994 7 Nov 2019 1 other company

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, 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 one on the FCA register
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£140k

+7.3% from £131k

Employees (average)

12

+20% from 10

Owed within a year

£949k

+43% from £665k

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 00945042. 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

Holgate Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (8) All events (28)

2025

19 July 2025

  • Alexandra Sillett became a part-owner (25–50% of shares)

Companies House

2020

1 January 2020

  • Karen Mary Watts became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Stephen John Rex Watts gained significant control

Companies House

2015

18 August 2015

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1968

31 December 1968

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (8 shown here)
  • Every director appointment and resignation: 16
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Firms connected to Holgate Insurance Brokers

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

connected firms
5
share a director
1
share its phone number
1

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Holgate Insurance Brokers

Other firms of the same type (mortgage adviser or broker), nearest first.

In Hornchurch

Allan Reece Associates LLPHornchurchAuthorisedConnect IFA LtdHornchurchAuthorisedInstant Mortgage Solutions LimitedHornchurchAuthorisedJames Young & Associates LimitedHornchurchAuthorisedLandmark Specialist Finance LimitedHornchurchAuthorisedTrinity Mortgages LtdHornchurchAuthorised

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 Holgate Insurance Brokers

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 28 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Holgate Insurance Brokers Ltd FCA authorised?
Yes, Holgate Insurance Brokers Ltd (FRN 308246) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.
What is Holgate Insurance Brokers’ phone number and website?
The FCA register lists the phone number 01708 438000 and the website holgate.co.uk for Holgate Insurance Brokers. 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 Holgate Insurance Brokers a scam or clone?
Holgate Insurance Brokers 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 Holgate Insurance Brokers?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Holgate Insurance Brokers to the Financial Ombudsman Service, free of charge.
Who owns Holgate Insurance Brokers?
Companies House lists 3 people with significant control of Holgate Insurance Brokers: Mrs Karen Mary Watts (25–50% of shares), Mrs Alexandra Sillett (25–50% of shares) and Mr Stephen John Rex Watts (significant influence or control).
Who runs Holgate Insurance Brokers?
Companies House lists 2 directors of Holgate Insurance Brokers: Karen Mary Watts and Alexandra Sillett.
How long has Holgate Insurance Brokers been in business?
The company was formed on 31 December 1968, and has held its current FCA authorisation since January 2005.
What do Holgate Insurance Brokers’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £140k (+7.3% from £131k).
Does Holgate Insurance Brokers use any other names?
It trades as Holgate Financial Services and Holgate Insurance Corporate Risks.

Sources and links

The full report on Holgate Insurance Brokers Ltd

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