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 2017
- Accounts filed up to 30 June 2025
Responsible principal firm
Ecclesiastical Planning Services Limited Reference number: 958152 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.
- L&K Funeral Directors Ltd (FRN 981542) is an AR of Ecclesiastical Planning Services Limited (FRN 958152). When you use L&K Funeral Directors's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from L&K Funeral Directors, 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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No website on the FCA register
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Phone number
-
Address
32 Clacton Road, St. Osyth, Clacton-on-Sea, Essex, CO16 8PA, United Kingdom
In the full report: 2 background checks
- What kind of line 01255 318524 is
- Who else gives the postcode CO16 8PA
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Ecclesiastical Planning Services 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
- 10808179 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 June 2017 (9 years old)
- Registered office
- 32 Clacton Road, St. Osyth, Clacton-On-Sea, CO16 8PA, England
- Nature of business
-
- Funeral and related activities (SIC 96030)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kenneth Guilder | Director | Nov 1950 | 7 Jun 2017 | None |
| Justin John Guilder | Director | Jun 1972 | 18 May 2021 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£168k
+10% from £153k
Employees (average)
1
−90% from 10
Owed within a year
£10.0k
−91% from £117k
The accounts for the year to 30 June 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £256k, for the year to 30 June 2024.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- Both charts, 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.
Accounts filed at Companies House for company 10808179. 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
L&K Funeral Directors’s history from the FCA register and Companies House, newest first.
2022
6 September 2022
- Justin John Guilder took control (75–100% of shares)
Companies House
23 August 2022
- Became an appointed representative
FCA register
2021
18 May 2021
- Justin John Guilder appointed as a director
Companies House
2017
7 June 2017
- Incorporated at Companies House
- Kenneth Guilder appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to L&K Funeral Directors
Other FCA-listed firms that share a director, phone number or address with L&K Funeral Directors. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share its postcode
- 5
In the full report: all 5 connected firms, named
- How each is linked: the same postcode (5)
- Who links each one: the named directors, with dates
Firms like L&K Funeral Directors
Other firms of the same type (funeral director), nearest first.
In the Colchester (CO) 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 L&K Funeral Directors
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
- 6 years of accounts, charted
- All 5 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs L&K Funeral Directors?
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What do L&K Funeral Directors’ latest accounts show?
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