Incepta Risk Management Ltd

Reference number: 535175

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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, 1 thing worth a closer look

  • When inceptagroup.com first appeared online, and whether it can receive email
  • What kind of line 020 3058 1530 is
  • Whether EC3A 5AF is a shared office: 29 other firms give it
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Other names (1)

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

  • Incepta Insurance and Risk Management 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.
  • 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 (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07285254
Company status
Active
Company type
Private limited company
Incorporated
15 June 2010 (16 years old)
Registered office
One, Creechurch Place, London, EC3A 5AF, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
James Michael Hancock Director May 1977 30 May 2019 None
Michael Raymond Millar Director Mar 1988 19 Jan 2023 26 other companies
Warren Paul Dickson Director Nov 1971 2 Dec 2024 25 other companies
Graeme Robert Manning Secretary Not published 6 Apr 2023 –

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
42
closed down
24
are FCA-registered
13

In the full report: all 42 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 13 on the FCA register, including 3 no longer authorised
  • The 9 companies these 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2020Small company accountsNot audited

Total equity

£1.08m

No earlier figure to compare

Cash at bank

£1.52m

No earlier figure to compare

Employees (average)

9

No earlier figure to compare

Owed within a year

£702k

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.

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

Accounts filed at Companies House for company 07285254. 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

Incepta Risk Management’s history from the FCA register and Companies House, newest first.

Key events (16) All events (35)

2023

26 October 2023

  • Aston Lark Group Limited gave up control
  • Howden Uk&I Holdings Limited took control (75–100% of shares)

Companies House

2020

31 July 2020

  • Aston Lark Group Limited took control (75–100% of shares)
  • Cg & Ps Ltd gave up control
  • Clive Alexander Gilbert no longer has significant control
  • Gsh Partners Ltd stopped being a part-owner
  • Paul Neville Smith no longer has significant control

Companies House

2016

14 November 2016

  • Paul Neville Smith gained significant control

Companies House

1 November 2016

  • Cg & Ps Ltd took control (75–100% of shares)
  • Clive Alexander Gilbert gained significant control
  • Gsh Partners Ltd became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

1 July 2011

  • FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
  • Became authorised by the FCA

FCA register

15 March 2011

  • Regulated by the Financial Services Authority from this date

FCA register

2010

15 June 2010

  • Incorporated at Companies House

Companies House

In the full report: all 35 events

  • All 35 events in its history (16 shown here)
  • Every director appointment and resignation: 15
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Firms connected to Incepta Risk Management

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

connected firms
8
no longer authorised
1
share a director
8

In the full report: all 8 connected firms, named

  • How each is linked: shared directors (8), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Incepta Risk Management

Other firms of the same type (insurance broker), nearest first.

In London

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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 Incepta Risk Management

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

  • 42 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 35 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Incepta Risk Management Ltd FCA authorised?
Yes, Incepta Risk Management Ltd (FRN 535175) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2011 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Incepta Risk Management’s phone number and website?
The FCA register lists the phone number 020 3058 1530 and the website inceptagroup.com for Incepta Risk Management. If you were given different contact details, use these to check with the firm before going any further.
Is Incepta Risk Management a scam or clone?
Incepta Risk Management 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 Incepta Risk Management?
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 Incepta Risk Management to the Financial Ombudsman Service, free of charge.
Who owns Incepta Risk Management?
Incepta Risk Management is owned by Howden Uk&I Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 October 2023. Before that, it was controlled by Mr Paul Neville Smith, Cg & Ps Ltd and Gsh Partners Ltd.
Who runs Incepta Risk Management?
Companies House lists 3 directors of Incepta Risk Management: James Michael Hancock, Michael Raymond Millar and Warren Paul Dickson.
How long has Incepta Risk Management been in business?
The company was formed on 15 June 2010, and has held its current FCA authorisation since July 2011.
What do Incepta Risk Management’s latest accounts show?
Its latest accounts, to 31 March 2020, show total equity of £1.08m (no earlier figure to compare) and cash at bank of £1.52m (no earlier figure to compare).
Does Incepta Risk Management use any other names?
It trades as Incepta Insurance and Risk Management.

Sources and links

The full report on Incepta Risk Management Ltd

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