Introducer appointed representative, but in an insolvency process
This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.
- Protected through the principal
- No FCA actions
- Accounts filed up to 30 June 2025
- Company: in liquidation
What the FCA says
ATTENTION - Firm in an insolvency process
This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).
Responsible principal firm
Petcover EU Limited Reference number: 747757 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.
- I-Capitalise Ltd (FRN 938631) introduces customers to Petcover EU Limited (FRN 747757). Any regulated advice or arranging is done by the principal, not I-Capitalise.
- Example: if I-Capitalise refers you to a financial adviser, the advice should come from the principal firm, not from I-Capitalise 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.
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No website on the FCA register
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No phone number on the FCA register
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Address
Luke Brough & Louise Williams of Opus Restructuring LLP, Bridgford Business Centre, 29 Bridgford Road, West, Bridgford, Nottingham, NG2 6AU, United Kingdom
In the full report: 1 background check
- Who else gives the postcode NG2 6AU
Other names (4)
If you were contacted under any of these names, it is this firm.
- Feline Cover Trading name: A name it trades under now.
- K9 Cover Trading name: A name it trades under now.
- Top Cat Cover Trading name: A name it trades under now.
- Top Dog Cover Trading name: A name it trades under now.
Past FCA permissions and consumer protection
- In an insolvency processMoney the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
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.
Concerns on the company record
- Companies House records this company in liquidation.
- This company has insolvency history on record.
- Company name
- I-CAPITALISE LIMITED
- Company number
- 08184824 (opens Companies House in a new tab)
- Company status
- Liquidation
- Company type
- Private limited company
- Incorporated
- 20 August 2012 (14 years old)
- Registered office
- 1 Radian Court, Knowlhill, Milton Keynes, MK5 8PJ
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stewart D'Anvers Rioch | Director | Sep 1971 | 20 Aug 2012 | 5 other companies |
| Lisa Rioch | Secretary | Not published | 20 Aug 2012 | – |
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
- 5
- closed down
- 1
- still active
- 4
In the full report: all 5 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
Filed accounts and finances
Net assets
£194k
+482% from £33.3k
Employees (average)
3
Same as 3
Owed within a year
£342k
Up £342k from £0
The accounts for the year to 30 June 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £386k, for the year to 30 June 2024.
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
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.
Accounts filed at Companies House for company 08184824. 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
I-Capitalise’s history from the FCA register and Companies House, newest first.
2020
16 November 2020
- Became an introducer appointed representative
FCA register
2016
20 August 2016
- Lisa Rioch became a part-owner (25–50% of shares)
- Stewart D'Anvers Rioch became a part-owner (25–50% of shares)
Companies House
2012
20 August 2012
- Incorporated at Companies House
Companies House
In the full report: all 9 events
- All 9 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms connected to I-Capitalise
Other FCA-listed firms that share a director, phone number or address with I-Capitalise. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like I-Capitalise
Other firms of the same type (insurance broker), nearest first.
In Nottingham
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 I-Capitalise
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 1 background check on its contact details
- 7 years of accounts, charted
- All 9 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs I-Capitalise?
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What do I-Capitalise’s latest accounts show?
Does I-Capitalise use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk