Holgates Holdings Ltd
Reference number: 486335
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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 18 years
- Protected through the principal
- No FCA actions
- Active company since 2007
- Accounts filed up to 28 February 2025
Responsible principal firm
Plum Underwriting Limited Reference number: 309166 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.
- Holgates Holdings Ltd (FRN 486335) is an AR of Plum Underwriting Limited (FRN 309166). When you use Holgates Holdings's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Holgates Holdings, 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
Middlebarrow Plain, Cove Road, Silverdale, Carnforth, LA5 0SH, United Kingdom
In the full report: 3 background checks
- When holgates.co.uk first appeared online, and whether it can receive email
- What kind of line 01524 701508 is, and the 4 other firms that give it
- Who else gives the postcode LA5 0SH
Other names (1)
If you were contacted under any of these names, it is this firm.
- Holgate Holdings Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Plum Underwriting 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 name
- HOLGATES HOLDINGS LIMITED
- Company number
- 06271353 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 June 2007 (19 years old)
- Registered office
- Middlebarrow Plain, Silverdale, Carnforth, Lancashire, LA5 0SH
- Nature of business
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- Activities of head offices (SIC 70100)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael William Holgate | Director | Aug 1966 | 14 Jun 2007 | 6 other companies |
| James William Holgate | Director | Jul 2001 | 10 Jul 2024 | 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
- 8
- still active
- 8
- are FCA-registered
- 5
In the full report: all 8 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 5 on the FCA register
- The 5 companies these 2 directors run together
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£23.5m
No earlier figure to compare
Profit before tax
£6.32m
No earlier figure to compare
Net assets
£42.2m
No earlier figure to compare
Cash at bank
£12.2m
No earlier figure to compare
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.
The figures for the year to 28 February 2025 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.
These are group figures: the firm and the companies it owns, combined.
Accounts filed at Companies House for company 06271353. 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
Holgates Holdings’s history from the FCA register and Companies House, newest first.
2017
6 June 2017
- Michael William Holgate became the majority owner (50–75% of shares)
Companies House
15 February 2017
- Changed its registered name from "Holgate Holdings Limited"
FCA register
2008
21 July 2008
- Became an appointed representative
FCA register
2007
6 June 2007
- Incorporated at Companies House
Companies House
In the full report: all 12 events
- All 12 events in its history (4 shown here)
- Every director appointment and resignation: 8
Firms connected to Holgates Holdings
Other FCA-listed firms that share a director, phone number or address with Holgates Holdings. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 4
- share its phone number
- 4
In the full report: all 5 connected firms, named
- How each is linked: shared directors (4), the same phone number (4), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like Holgates Holdings
Other firms of the same type (insurance broker), nearest first.
In Carnforth
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 Holgates Holdings
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 3 background checks on its contact details
- All 12 events in its history
- 5 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