Insurance Warehouse Premium Finance Ltd

Reference number: 718772

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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.

  • No website on the FCA register

  • Phone number

    020 8698 7322

  • Address

    36 Sangley Road, London, SE6 2JH, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8698 7322 is, and the other firm that gives it
  • Who else gives the postcode SE6 2JH
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FCA permissions and consumer protection

  • 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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
05934871
Company status
Active
Company type
Private limited company
Incorporated
14 September 2006 (20 years old)
Registered office
163 Welcomes Road, Kenley, Surrey, CR8 5HB
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Christou Director Jul 1963 15 Sep 2006 None
Michael Christou Secretary Not published 15 Sep 2006 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£62.6k

−48% from £121k

Cash at bank

£16.8k

+16% from £14.6k

Employees (average)

2

Same as 2

Owed within a year

£67.2k

<1% from £67.8k

Net assets

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 05934871. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Insurance Warehouse Premium Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (14)

2025

28 May 2025

  • Tracy Ann Christou stopped being a part-owner

Companies House

2024

21 October 2024

  • Tracy Ann Christou became a part-owner (25–50% of shares)

Companies House

2016

1 December 2016

  • Michael Christou gave up control
  • Michael Christou took control (75–100% of shares)

Companies House

1 August 2016

  • Michael Christou took control (75–100% of shares)

Companies House

14 April 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2006

14 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (9 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Insurance Warehouse Premium Finance

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Insurance Warehouse Premium Finance

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services 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 Insurance Warehouse Premium Finance

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

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

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Frequently asked questions about this firm

Is Insurance Warehouse Premium Finance Ltd FCA authorised?
Yes, Insurance Warehouse Premium Finance Ltd (FRN 718772) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Insurance Warehouse Premium Finance’s phone number?
The FCA register lists the phone number 020 8698 7322 for Insurance Warehouse Premium Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Insurance Warehouse Premium Finance a scam or clone?
Insurance Warehouse Premium Finance 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 Warehouse Premium Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Insurance Warehouse Premium Finance handles your money, so check the specific product before you commit. You can also refer complaints about Insurance Warehouse Premium Finance to the Financial Ombudsman Service, free of charge.
Who owns Insurance Warehouse Premium Finance?
Companies House lists one person with significant control of Insurance Warehouse Premium Finance: Mr Michael Christou (75–100% of shares). Before that, it was controlled by Tracy Ann Christou and Michael Christou.
Who runs Insurance Warehouse Premium Finance?
Companies House lists one director of Insurance Warehouse Premium Finance: Michael Christou.
How long has Insurance Warehouse Premium Finance been in business?
The company was formed on 14 September 2006, and has held its current FCA authorisation since April 2016.
What do Insurance Warehouse Premium Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £62.6k (−48% from £121k) and cash at bank of £16.8k (+16% from £14.6k).

Sources and links

The full report on Insurance Warehouse Premium Finance Ltd

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