Innovative Risk Labs Ltd

Reference number: 609155

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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, 2 things worth a closer look

  • When innovativerisk.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 122 6755 is
  • Whether EC2A 4NE is a shared office: 82 other firms give it
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Other names (49)

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

  • Arma Karma Trading name
  • CCG Trading name
  • Coast Trading name
  • Coast Insurance Trading name
  • Eleos Trading name
  • Envisso Trading name
  • Fifty North Trading name
  • FinCyn Trading name
  • Fluffy Trading name
  • Fruga Trading name
  • GLL Trading name
  • Global Litigation Trading name
  • IBL RE Trading name
  • Innovative Risk Trading name
  • Innovative Risk London Trading name
  • Ins Experts Trading name
  • IRL Trading name
  • JustParent Trading name
  • Kota Trading name
  • Lateral Trading name
  • Live Lateral Trading name
  • Planet Protection Trading name
  • PolicyPowerHouse Trading name
  • PPH Trading name
  • Prompted Trading name
  • Revive Trading name
  • Rivr Trading name
  • Suited Trading name
  • Yachtech Trading name
  • Innovative Risk Ltd Former name
  • Ascent Former trading name
  • Big day Former trading name
  • Bolt Former trading name
  • Bornacre Former trading name
  • Bornacre.com Former trading name
  • Cycler Former trading name
  • essence fyi Former trading name
  • Flock Former trading name
  • Hokodo Former trading name
  • Holein1 Former trading name
  • insurance4everyone.co.uk Former trading name
  • Juno Former trading name
  • New Eden Former trading name
  • NewEdenMGA Former trading name
  • Next Gen Former trading name
  • public-liability Former trading name
  • Rooster Former trading name
  • Supersquirrel Former trading name
  • Worry+Peace Former 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 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
08529421
Company status
Active
Company type
Private limited company
Incorporated
15 May 2013 (13 years old)
Registered office
3rd Floor 86-90 Paul Street, London, EC2A 4NE, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Edward William George York Director May 1947 15 May 2013 10 other companies
James Joseph William York Director Apr 1981 15 May 2013 4 other companies
Alan James Hickman Director Jan 1977 16 Mar 2026 4 other companies

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
14
closed down
10
is FCA-registered
1

In the full report: all 14 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 4 companies these 3 directors run together
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£89.7k

+99% from £45.0k

Cash at bank

£54.1k

−12% from £61.4k

Employees (average)

2

Same as 2

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
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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 08529421. 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

Innovative Risk Labs’s history from the FCA register and Companies House, newest first.

Key events (6) All events (78)

2021

2 July 2021

  • Changed its registered name from "Innovative Risk Ltd"

FCA register

2016

6 April 2016

  • Edward William George York became a part-owner (25–50% of shares)
  • June Mary York became a part-owner (25–50% of shares)

Companies House

2014

1 April 2014

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

FCA register

2013

15 May 2013

  • Incorporated at Companies House

Companies House

In the full report: all 78 events

  • All 78 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Innovative Risk Labs

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Innovative Risk Labs

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

In London

Amazon EU S.a.r.l.LondonAuthorisedRevolut Travel LtdLondonAuthorisedSantander Insurance Services UK LimitedLondonAuthorisedAon UK LimitedLondonAuthorisedHartford Underwriting Agency LimitedLondonAuthorisedChubb Underwriting Agencies LimitedLondonAuthorised

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 Innovative Risk Labs

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details, 2 flagged
  • 7 years of accounts, charted
  • All 78 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Innovative Risk Labs Ltd FCA authorised?
Yes, Innovative Risk Labs Ltd (FRN 609155) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2014 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Innovative Risk Labs’ phone number and website?
The FCA register lists the phone number 0330 122 6755 and the website innovativerisk.co.uk for Innovative Risk Labs. If you were given different contact details, use these to check with the firm before going any further.
Is Innovative Risk Labs a scam or clone?
Innovative Risk Labs 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 Innovative Risk Labs?
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 Innovative Risk Labs to the Financial Ombudsman Service, free of charge.
Who owns Innovative Risk Labs?
Companies House lists 2 people with significant control of Innovative Risk Labs: Mr Edward William George York (25–50% of shares) and Ms June Mary York (25–50% of shares).
Who runs Innovative Risk Labs?
Companies House lists 3 directors of Innovative Risk Labs: Edward William George York, James Joseph William York and Alan James Hickman.
How long has Innovative Risk Labs been in business?
The company was formed on 15 May 2013, and has held its current FCA authorisation since April 2014.
What do Innovative Risk Labs’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £89.7k (+99% from £45.0k) and cash at bank of £54.1k (−12% from £61.4k).
Does Innovative Risk Labs use any other names?
It trades as Arma Karma, CCG, Coast, Coast Insurance and Eleos, and 24 more names. It has previously used 20 other names, including Innovative Risk Ltd, Ascent and Big day.

Sources and links

The full report on Innovative Risk Labs Ltd

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