L. Wood & Co. Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1976
Accounts filed up to 31 July 2025

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.

Website

lwood.co.uk (opens in a new tab)
Phone number

01274 515747
Address

4 Aire Valley Park,, Wagon Lane,, Bingley, West Yorkshire, BD16 1WA, United Kingdom

In the full report: 3 background checks

When lwood.co.uk first appeared online, and whether it can receive email
What kind of line 01274 515747 is
Who else gives the postcode BD16 1WA

Other names (1)

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

RIS Insurance Solutions Former trading name: A name it used to trade under.

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.

Company number: 01279184 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 September 1976 (50 years old)
Registered office: Kylerhea Street Lane, West Morton, Keighley, West Yorkshire, BD20 5UP
Nature of business: Non-life insurance (SIC 65120)
Non-life reinsurance (SIC 65202)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Thomas Matthew Wood	Director	Oct 1976	24 Dec 2008	1 other company
Michael Scarborough	Director	Feb 1971	24 Dec 2008	None
Victoria Louise Wood	Director	Apr 1979	24 Dec 2008	2 other companies
Dylan Wyn Williams	Director	Nov 1980	23 Mar 2016	1 other company
Tyra Fredrika Wood	Director	Feb 1952	Not published	3 other companies
Kevin Leslie Wood	Director	May 1948	Not published	3 other companies
Haldi Kranich-Wood	Secretary	Not published	1 Jul 2023	–

Other companies run by these 6 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: 4
closed down: 1
run together: 4

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The 4 companies these 6 directors run together

Filed accounts and finances

Year to 31 July 2025Full accountsNot audited

Net assets

£1.02m

+32% from £774k

Cash at bank

£1.58m

−20% from £1.99m

Owed within a year

£1.15m

−38% from £1.86m

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 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.

Accounts filed at Companies House for company 01279184. 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. Wood & Co.’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2016

6 April 2016

L Wood (Holdings) Limited 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

1976

29 September 1976

Incorporated at Companies House

Companies House

In the full report: all 14 events

All 14 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms connected to L. Wood & Co.

Other FCA-listed firms that share a director, phone number or address with L. Wood & Co.. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like L. Wood & Co.

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

In Bingley

Illingworth McNair LimitedBingleyAuthorised NBS Underwriting LimitedBingleyAuthorised Jonah Martin LtdBingleyAppointed representative Tim Robinson Mortgage and Protection LimitedBingleyAppointed representative

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. Wood & Co.

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

4 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 14 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is L. Wood & Co. Limited FCA authorised?

Yes, L. Wood & Co. Limited (FRN 306091) 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 L. Wood & Co.’s phone number and website?

The FCA register lists the phone number 01274 515747 and the website lwood.co.uk for L. Wood & Co.. If you were given different contact details, use these to check with the firm before going any further.

Is L. Wood & Co. a scam or clone?

L. Wood & Co. 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 L. Wood & Co.?

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 L. Wood & Co. to the Financial Ombudsman Service, free of charge.

Who owns L. Wood & Co.?

L. Wood & Co. is owned by L Wood (Holdings) Limited, which holds 75–100% of shares and held through a firm, since 6 April 2016.

Who runs L. Wood & Co.?

Companies House lists 6 directors of L. Wood & Co.: Thomas Matthew Wood, Michael Scarborough, Victoria Louise Wood, Dylan Wyn Williams, Tyra Fredrika Wood and Kevin Leslie Wood.

How long has L. Wood & Co. been in business?

The company was formed on 29 September 1976, and has held its current FCA authorisation since January 2005.

What do L. Wood & Co.’s latest accounts show?

Its latest accounts, to 31 July 2025, show net assets of £1.02m (+32% from £774k) and cash at bank of £1.58m (−20% from £1.99m).

Does L. Wood & Co. use any other names?

It has previously used the name RIS Insurance Solutions.