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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 31 October 2025
- On its latest accounts it owed £224k more than it owned
Responsible principal firm
Costero Brokers Limited Reference number: 309528 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.
- LAKEHOUSE RISK SERVICES LIMITED (FRN 772673) is an AR of Costero Brokers Limited (FRN 309528). When you use LAKEHOUSE RISK SERVICES's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from LAKEHOUSE RISK SERVICES, 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
The Northern & Shell Building, 10 Lower Thames Street, London, London, EC3R 6EN, United Kingdom
In the full report: 2 background checks
- What kind of line 020 3998 9755 is, and the 2 other firms that give it
- Who else gives the postcode EC3R 6EN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Costero Brokers 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
- 10052270 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 March 2016 (10 years old)
- Registered office
- 9th Floor Northern & Shell Building, 10 Lower Thames Street, London, EC3R 6EN, England
- Nature of business
-
- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael James Lent | Director | Jan 1954 | 9 Mar 2016 | 4 other companies |
| Lars Peter Rickard Ahlas | Director | Sep 1948 | 25 Nov 2016 | 1 other company |
| Clive Stuart Freeman | Director | Apr 1950 | 2 Feb 2017 | 2 other companies |
Other companies run by these 3 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
- 7
- still active
- 7
- are FCA-registered
- 3
In the full report: all 7 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£224k
Down £86.1k from −£138k
Cash at bank
£124
−99% from £18.2k
Employees (average)
0
−100% from 3
Owed within a year
£244k
−68% from £752k
Net assets are negative: on its last balance sheet the company owed £224k more than it owned.
Assets and liabilities
In the full report: all 7 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 10052270. 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
Lakehouse Risk Services’s history from the FCA register and Companies House, newest first.
2017
28 February 2017
- Became an appointed representative
FCA register
3 January 2017
- Michael James Lent took control (75–100% of shares)
- S.V.O.P Limited became the majority owner (50–75% of shares)
- S.V.O.P Limited stopped being the majority owner
- S.V.O.P. Limited became a part-owner (25–50% of shares)
- S.V.O.P. Limited stopped being a part-owner
Companies House
2016
9 March 2016
- Incorporated at Companies House
Companies House
In the full report: all 16 events
- All 16 events in its history (7 shown here)
- Every director appointment and resignation: 9
Firms connected to Lakehouse Risk Services
Other FCA-listed firms that share a director, phone number or address with Lakehouse Risk Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 2
- share its phone number
- 2
In the full report: all 3 connected firms, named
- How each is linked: shared directors (2), the same phone number (2), the same postcode (2)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Lakehouse Risk Services
Other firms of the same type (insurance broker), nearest first.
In London
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 Lakehouse Risk Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 16 events in its history
- 3 connected firms, named, and who links them
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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