Joanne Hume & Son Limited
Reference number: 981239
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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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 30 September 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
GOLDEN LEAVES LIMITED Reference number: 960923 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.
- JOANNE HUME & SON LIMITED (FRN 981239) is an AR of GOLDEN LEAVES LIMITED (FRN 960923). When you use JOANNE HUME & SON's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from JOANNE HUME & SON, 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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Phone number
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Address
168-170 Newport Road, Caldicot, Monmouthshire, NP26 4AA, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When joannehumeandson.co.uk first appeared online, and whether it can receive email
- What kind of line 01291 420972 is
- Who else gives the postcode NP26 4AA
Other names (4)
If you were contacted under any of these names, it is this firm.
- Joanne Hume and Son Funeral Directors Trading name: A name it trades under now.
- IAN WATTS & SON (MONMOUTHSHIRE) LIMITED Former name: A name it was registered under before.
- Ian Watts and Son Independent Funeral Directors Former trading name: A name it used to trade under.
- Ian Watts and son (Monmouthshire) Ltd Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Golden Leaves 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
- 09122387 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 July 2014 (12 years old)
- Registered office
- 170 Newport Road, Caldicot, NP26 4AA, Wales
- Nature of business
-
- Funeral and related activities (SIC 96030)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Joanne Marie Hume | Director | Aug 1962 | 9 Jul 2014 | 2 other companies |
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
- 1
- still active
- 1
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 2 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£82.4k
<1% from £83.2k
Cash at bank
£49.5k
+38% from £35.8k
Employees (average)
14
No earlier figure to compare
Owed within a year
£111k
+47% from £75.2k
Total equity
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
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 09122387. 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
Joanne Hume & Son’s history from the FCA register and Companies House, newest first.
2024
11 October 2024
- Changed its registered name from "IAN WATTS & SON (MONMOUTHSHIRE) LIMITED"
FCA register
2 October 2024
- Martin David Watts stopped being the majority owner
Companies House
2022
19 August 2022
- Became an appointed representative
FCA register
2016
9 July 2016
- Joanne Marie Hume became the majority owner (50–75% of shares)
- Martin David Watts became the majority owner (50–75% of shares)
Companies House
2014
9 July 2014
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms connected to Joanne Hume & Son
Other FCA-listed firms that share a director, phone number or address with Joanne Hume & Son. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Joanne Hume & Son
Other firms of the same type (funeral director), nearest first.
In the Newport (NP) 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 Joanne Hume & Son
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, 1 flagged
- 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
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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