ICS Umbrella Ltd
Reference number: 1051388
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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.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2002
- Accounts filed up to 31 March 2025
Responsible principal firm
Independent Broking Solutions Limited Reference number: 312026 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.
- ICS Umbrella Ltd (FRN 1051388) introduces customers to Independent Broking Solutions Limited (FRN 312026). Any regulated advice or arranging is done by the principal, not ICS Umbrella.
- Example: if ICS Umbrella refers you to a financial adviser, the advice should come from the principal firm, not from ICS Umbrella 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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Website
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Phone number
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Address
2 Mannin Way, Lancaster, Lancashire, LA1 3SU, United Kingdom
In the full report: 3 background checks
- When icsuk.com first appeared online, and whether it can receive email
- What kind of line 01524 580720 is, and the other firm that gives it
- Who else gives the postcode LA1 3SU
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Independent Broking Solutions 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 number
- 04399985 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 March 2002 (24 years old)
- Registered office
- 2 Mannin Way, Lancaster, LA1 3SU
- Nature of business
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- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| ICS DIRECTORS LIMITED | Corporate director | Not published | 22 Mar 2002 | 23 other companies |
| John Lyon | Director | Dec 1965 | 1 Oct 2007 | 34 other companies |
| Colin William Thompson | Director | Mar 1970 | 7 Jul 2026 | 3 other companies |
| ICS SECRETARIES LTD | Corporate secretary | Not published | 22 Mar 2002 | – |
Other companies run by these 3 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
- 47
- closed down
- 30
- is FCA-registered
- 1
In the full report: all 47 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- The 11 companies these 3 directors run together
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£363k
From a loss of £90.4k
Total equity
£271k
+132% from £117k
Cash at bank
£8.34m
+2.4% from £8.15m
Owed within a year
£11.3m
−8.3% from £12.4m
The accounts for the year to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £155.3m, for the year to 31 March 2022.
Profit before tax
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- Both charts, 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 04399985. Figures are exactly as filed; nothing is estimated.
Key dates in its history
ICS Umbrella’s history from the FCA register and Companies House, newest first.
2026
10 February 2026
- Became an introducer appointed representative
FCA register
2017
30 November 2017
- Ics Contracting Group became a part-owner (25–50% of shares)
- Mark John Gaywood stopped being the majority owner
Companies House
2016
6 April 2016
- John Lyon became the majority owner (50–75% of shares)
- Mark John Gaywood became the majority owner (50–75% of shares)
Companies House
2002
21 March 2002
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (6 shown here)
- Every director appointment and resignation: 8
Firms connected to ICS Umbrella
Other FCA-listed firms that share a director, phone number or address with ICS Umbrella. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like ICS Umbrella
Other firms of the same type (insurance broker), nearest first.
In Lancaster
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 ICS Umbrella
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 47 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 14 events in its history
- 1 connected firm, 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