Insurance Risk Consultancy Services Limited

Reference number: 305738

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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

  • When ircs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01792 460103 is
  • Who else gives the postcode SA1 1JQ
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Other names (2)

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

  • IRCS Trading name
  • IRCS International Consultants 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
03417790
Company status
Active
Company type
Private limited company
Incorporated
11 August 1997 (29 years old)
Registered office
Castle Chambers 3rd Floor, 46 Worcester Place, Swansea, West Glamorgan, SA1 1JQ
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Huw Morgan Director Aug 1959 11 Aug 1997 2 other companies
Huw Morgan Secretary Not published 30 Sep 2002 –

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
2
closed down
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£344k

<1% from £347k

Cash at bank

£262k

+47% from £179k

Employees (average)

7

Same as 7

Owed within a year

£524k

+2.6% from £511k

Assets and liabilities

In the full report: all 5 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 03417790. 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

Insurance Risk Consultancy Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (19)

2016

6 April 2016

  • Huw Morgan took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1997

11 August 1997

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (5 shown here)
  • Every director appointment and resignation: 9
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Firms like Insurance Risk Consultancy Services

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

In Swansea

ClaimRite LimitedSwanseaAuthorisedCompare Insurance Ltd.SwanseaAuthorisedCompton Insurance Services LimitedSwanseaAuthorisedDavid Anthony BowenSwanseaAuthorisedEnterprise Insurance Services (Swansea) LimitedSwanseaAuthorisedEssential Risk Solutions LtdSwanseaAuthorised

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 Insurance Risk Consultancy Services

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is Insurance Risk Consultancy Services Limited FCA authorised?
Yes, Insurance Risk Consultancy Services Limited (FRN 305738) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Insurance Risk Consultancy Services’ phone number and website?
The FCA register lists the phone number 01792 460103 and the website ircs.co.uk for Insurance Risk Consultancy Services. If you were given different contact details, use these to check with the firm before going any further.
Is Insurance Risk Consultancy Services a scam or clone?
Insurance Risk Consultancy Services 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 Insurance Risk Consultancy Services?
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 Insurance Risk Consultancy Services to the Financial Ombudsman Service, free of charge.
Who owns Insurance Risk Consultancy Services?
Companies House lists one person with significant control of Insurance Risk Consultancy Services: Mr Huw Morgan (75–100% of shares).
Who runs Insurance Risk Consultancy Services?
Companies House lists one director of Insurance Risk Consultancy Services: Huw Morgan.
How long has Insurance Risk Consultancy Services been in business?
The company was formed on 11 August 1997, and has held its current FCA authorisation since January 2005.
What do Insurance Risk Consultancy Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £344k (<1% from £347k) and cash at bank of £262k (+47% from £179k).
Does Insurance Risk Consultancy Services use any other names?
It trades as IRCS and IRCS International Consultants.

Sources and links

The full report on Insurance Risk Consultancy Services Limited

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