Keegan and Pennykid (Insurance Brokers)limited

Reference number: 231032

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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 keegan-pennykid.com first appeared online, and whether it can receive email
  • What kind of line 0131 225 6005 is
  • Who else gives the postcode EH2 3NS
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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

Limits on what they may do

  • Permitted to hold & control client money for IM
    Permitted to hold and control client money only in respect of non-investment insurance contracts.

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
SC060085
Company status
Active
Company type
Private limited company
Incorporated
27 May 1976 (50 years old)
Registered office
50 Queen Street, Edinburgh, EH2 3NS
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
June Elizabeth Pennykid Director Jun 1978 27 Nov 2013 3 other companies
John Adams Suttie Director Aug 1971 2 Mar 2018 3 other companies

Other companies run by these 2 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
3
closed down
1
run together
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 companies these 2 directors run together
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Abridged accountsNot audited

Net assets

£315k

+4.2% from £303k

Cash at bank

£1.28m

No earlier figure to compare

Employees (average)

12

+33% from 9

Owed within a year

£1.65m

−8.1% from £1.80m

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 SC060085. 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

This firm’s history from the FCA register and Companies House, newest first.

Key events (8) All events (27)

2018

2 March 2018

  • Benenden Wellbeing Limited gave up control
  • Pennykid & Suttie Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Benenden Wellbeing Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

21 January 2005

  • FCA imposed a requirement (Permitted to hold & control client money for IM)

FCA register

2004

29 April 2004

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

FCA register

1976

27 May 1976

  • Incorporated at Companies House

Companies House

In the full report: all 27 events

  • All 27 events in its history (8 shown here)
  • Every director appointment and resignation: 16
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Similar firms

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

In Edinburgh

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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 this firm

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 27 events in its history

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Frequently asked questions about this firm

Is Keegan and Pennykid (Insurance Brokers)limited FCA authorised?
Yes, Keegan and Pennykid (Insurance Brokers)limited (FRN 231032) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2004 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Keegan and Pennykid (Insurance Brokers)limited’s phone number and website?
The FCA register lists the phone number 0131 225 6005 and the website keegan-pennykid.com for Keegan and Pennykid (Insurance Brokers)limited. If you were given different contact details, use these to check with the firm before going any further.
Is Keegan and Pennykid (Insurance Brokers)limited a scam or clone?
Keegan and Pennykid (Insurance Brokers)limited 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 Keegan and Pennykid (Insurance Brokers)limited?
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 Keegan and Pennykid (Insurance Brokers)limited to the Financial Ombudsman Service, free of charge.
Who owns Keegan and Pennykid (Insurance Brokers)limited?
Keegan and Pennykid (Insurance Brokers)limited is owned by Pennykid & Suttie Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 March 2018. Before that, it was controlled by Benenden Wellbeing Limited.
Who runs Keegan and Pennykid (Insurance Brokers)limited?
Companies House lists 2 directors of Keegan and Pennykid (Insurance Brokers)limited: June Elizabeth Pennykid and John Adams Suttie.
How long has Keegan and Pennykid (Insurance Brokers)limited been in business?
The company was formed on 27 May 1976, and has held its current FCA authorisation since April 2004.
What do Keegan and Pennykid (Insurance Brokers)limited’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £315k (+4.2% from £303k) and cash at bank of £1.28m (no earlier figure to compare).

Sources and links

The full report on Keegan and Pennykid (Insurance Brokers)limited

£19.99 · Instant PDF download

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