LRMS Insurance Services 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 1997
Accounts filed up to 31 May 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

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

01284 735617
Address

L R M S Insurance Services, Plumpton Hall, Whepstead, Bury St. Edmunds, Suffolk, IP29 4SU, United Kingdom

In the full report: 3 background checks

When petbusinessinsurance.co.uk first appeared online, and whether it can receive email
What kind of line 01284 735617 is
Who else gives the postcode IP29 4SU

Other names (5)

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

Pet Business Insurance Trading name: A name it trades under now.
Pet Business International Trading name: A name it trades under now.
Animal Travel Insurance Former trading name: A name it used to trade under.
LRMS Liability Plus Former trading name: A name it used to trade under.
Recover (For A Programme That Will Be Up And Running Soon) 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 (7 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
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: 03438163 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 23 September 1997 (29 years old)
Registered office: Plumton Hall, Whepstead, Bury St Edmunds, Suffolk, IP29 4SU
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Anja Marion Cantillon	Director	Jun 1977	1 Jun 2001	3 other companies
Emma Elizabeth Fisher	Director	Sep 1967	11 Mar 2022	4 other companies
Lynne Ann Hobden-Clarke	Director	Aug 1953	11 Mar 2022	1 other company
Clare Jane Lochore	Director	Aug 1982	11 Nov 2022	None

Other companies run by these 4 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: 6
closed down: 4
run together: 2

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 companies these 4 directors run together
All 9 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£402k

+7.7% from £373k

Cash at bank

£249k

+52% from £164k

Employees (average)

10

Same as 10

Owed within a year

£148k

+20% from £124k

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

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 03438163. 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

LRMS Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (30)

2016

1 May 2016

Anja Marion Cantillon 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

1997

23 September 1997

Incorporated at Companies House

Companies House

In the full report: all 30 events

All 30 events in its history (5 shown here)
Every director appointment and resignation: 14

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

In Bury St. Edmunds

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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 LRMS Insurance Services

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

6 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 30 events in its history

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Frequently asked questions about this firm

Is LRMS Insurance Services Limited FCA authorised?

Yes, LRMS Insurance Services Limited (FRN 303950) 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 LRMS Insurance Services’ phone number and website?

The FCA register lists the phone number 01284 735617 and the website petbusinessinsurance.co.uk for LRMS Insurance Services. If you were given different contact details, use these to check with the firm before going any further.

Is LRMS Insurance Services a scam or clone?

LRMS Insurance Services 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 LRMS Insurance Services?

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 LRMS Insurance Services to the Financial Ombudsman Service, free of charge.

Who owns LRMS Insurance Services?

Companies House lists one person with significant control of LRMS Insurance Services: Mrs Anja Marion Cantillon (75–100% of shares).

Who runs LRMS Insurance Services?

Companies House lists 4 directors of LRMS Insurance Services: Anja Marion Cantillon, Emma Elizabeth Fisher, Lynne Ann Hobden-Clarke and Clare Jane Lochore.

How long has LRMS Insurance Services been in business?

The company was formed on 23 September 1997, and has held its current FCA authorisation since January 2005.

What do LRMS Insurance Services’ latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £402k (+7.7% from £373k) and cash at bank of £249k (+52% from £164k).

Does LRMS Insurance Services use any other names?

It trades as Pet Business Insurance and Pet Business International. It has previously used 3 other names: Animal Travel Insurance, LRMS Liability Plus and Recover (For A Programme That Will Be Up And Running Soon).