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 8 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 30 June 2025
Responsible principal firm
Howden Insurance Brokers Limited Reference number: 309639 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.
- Ingenious (IEP Cover) Limited (FRN 800117) is an AR of Howden Insurance Brokers Limited (FRN 309639). When you use Ingenious (IEP Cover)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Ingenious (IEP Cover), 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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No website on the FCA register
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Phone number
-
Address
Myo Piccadilly, 1 Sherwood Street, London, W1F 7BL, United Kingdom
In the full report: 2 background checks
- What kind of line 020 7319 4000 is, and the 2 other firms that give it
- Who else gives the postcode W1F 7BL
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Howden Insurance Brokers 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
- 10720594 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 April 2017 (9 years old)
- Registered office
- Myo Piccadilly, 1 Sherwood Street, London, W1F 7BL, United Kingdom
- Nature of business
-
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Duncan Murray Reid | Director | Jul 1958 | 11 Apr 2017 | 569 other companies |
| Sarah Cruickshank | Secretary | Not published | 11 Apr 2017 | – |
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
- 569
- closed down
- 395
- went insolvent
- 43
In the full report: all 569 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The 43 that went into liquidation or administration
- The 4 on the FCA register
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£69.8k
+4.4% from £66.9k
Profit before tax
£69.9k
+20% from £58.2k
Net assets
£63.9k
−79% from £301k
Employees (average)
0
Same as 0
Turnover and profit
In the full report: all 4 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 10720594. 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
Ingenious (IEP Cover)’s history from the FCA register and Companies House, newest first.
2018
30 January 2018
- Became an appointed representative
FCA register
2017
11 April 2017
- Incorporated at Companies House
- Ingenious Capital Management Holdings Limited took control (75–100% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (3 shown here)
- Every director appointment and resignation: 5
Firms connected to Ingenious (IEP Cover)
Other FCA-listed firms that share a director, phone number or address with Ingenious (IEP Cover). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its phone number
- 2
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same phone number (2), the same postcode (3)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Ingenious (IEP Cover)
Other firms of the same type (credit broker), nearest first.
In the West London (W) postcode area
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 Ingenious (IEP Cover)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 569 other companies its directors have run, named
- 2 background checks on its contact details
- 4 years of accounts, charted
- All 8 events in its history
- 3 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