Independent Risk Management Solutions Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 13 years
Your funds are protected by FSCS
No FCA actions
Active company since 2013
Accounts filed up to 30 April 2026

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.

Website

irm-solutions.biz (opens in a new tab)
Phone number

020 3696 1780
Address

Chapter House, 18 London Road, Copford, Colchester, Essex, CO6 1BJ, United Kingdom

In the full report: 3 background checks

When irm-solutions.biz first appeared online, and whether it can receive email
What kind of line 020 3696 1780 is
Who else gives the postcode CO6 1BJ

Other names (1)

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

Independent Risk Management Solution Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

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.
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.
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 (4 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Arranging (bringing about) deals in investments
Making arrangements with a view to transactions in investments

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: 08486442 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 April 2013 (13 years old)
Registered office: Chapter House 18 London Road, Copford, Colchester, Essex, CO6 1BJ, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
William Henry John Bartram	Director	Jun 1979	12 Apr 2013	4 other companies
Andrew John Fenlon (Dr)	Director	Oct 1973	2 Jul 2013	2 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: 6
closed down: 4
still active: 2

In the full report: all 6 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

Filed accounts and finances

Year to 30 April 2026Small company accountsAudited

Net assets

£101k

+10% from £91.9k

Cash at bank

£77.0k

−2% from £78.6k

Employees (average)

2

−33% from 3

Owed within a year

£35.4k

+53% from £23.1k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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.

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

Accounts filed at Companies House for company 08486442. 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

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

Key events (5) All events (9)

2018

30 August 2018

Changed its registered name from "Independent Risk Management Solution Limited"

FCA register

2016

28 April 2016

William Henry John Bartram took control (75–100% of shares)

Companies House

2013

1 October 2013

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

12 April 2013

Incorporated at Companies House

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms like Independent Risk Management Solutions

Other firms of the same type (financial adviser), nearest first.

In Colchester

Affinia LimitedColchesterAuthorised Ajax Wealth Management LimitedColchesterAuthorised Arcaria Financial Solutions LtdColchesterAuthorised Ashworth Financial Planning LimitedColchesterAuthorised Birkett Long IFA LLPColchesterAuthorised Blue Square Financial LimitedColchesterAuthorised

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 Independent Risk Management Solutions

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

6 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 9 events in its history

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Frequently asked questions about this firm

Is Independent Risk Management Solutions Limited FCA authorised?

Yes, Independent Risk Management Solutions Limited (FRN 604563) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2013 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Independent Risk Management Solutions’ phone number and website?

The FCA register lists the phone number 020 3696 1780 and the website irm-solutions.biz for Independent Risk Management Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is Independent Risk Management Solutions a scam or clone?

Independent Risk Management Solutions 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 Independent Risk Management Solutions?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Independent Risk Management Solutions to the Financial Ombudsman Service, free of charge.

Who owns Independent Risk Management Solutions?

Companies House lists one person with significant control of Independent Risk Management Solutions: Mr William Henry John Bartram (75–100% of shares).

Who runs Independent Risk Management Solutions?

Companies House lists 2 directors of Independent Risk Management Solutions: William Henry John Bartram and Andrew John Fenlon (Dr).

How long has Independent Risk Management Solutions been in business?

The company was formed on 12 April 2013, and has held its current FCA authorisation since October 2013.

What do Independent Risk Management Solutions’ latest accounts show?

Its latest accounts, to 30 April 2026, show net assets of £101k (+10% from £91.9k) and cash at bank of £77.0k (−2% from £78.6k).

Does Independent Risk Management Solutions use any other names?

It has previously used the name Independent Risk Management Solution Limited.