M Lucking & Sons Ltd

Reference number: 983848

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Golden Charter Limited Reference number: 965279 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • M LUCKING & SONS LTD (FRN 983848) introduces customers to Golden Charter Limited (FRN 965279). Any regulated advice or arranging is done by the principal, not M LUCKING & SONS.
  • Example: if M LUCKING & SONS refers you to a financial adviser, the advice should come from the principal firm, not from M LUCKING & SONS itself.
  • 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.

  • No website on the FCA register

  • Phone number

    01245 353733

  • Address

    195 New London Road, Chelmsford, Essex, CM2 0AE, United Kingdom

In the full report: 2 background checks

  • What kind of line 01245 353733 is
  • Who else gives the postcode CM2 0AE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Golden Charter 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, free
    You 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
12130100
Company status
Active
Company type
Private limited company
Incorporated
30 July 2019 (7 years old)
Registered office
195 New London Road, Chelmsford, Essex, CM2 0AE, England
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Christine Margaret Gowing Director Nov 1946 30 Jul 2019 None
Jenny Ann Mouser Director Aug 1951 30 Jul 2019 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£341k

<1% from £344k

Cash at bank

£102k

+22% from £83.6k

Employees (average)

7

−13% from 8

Owed within a year

£140k

<1% from £140k

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
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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 12130100. 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

M Lucking & Sons’s history from the FCA register and Companies House, newest first.

2022

22 September 2022

  • Became an introducer appointed representative

FCA register

2019

30 July 2019

  • Incorporated at Companies House
  • Christine Margaret Gowing became a part-owner (25–50% of shares)
  • Jenny Ann Mouser became a part-owner (25–50% of shares)
  • Christine Margaret Gowing appointed as a director
  • Jenny Ann Mouser appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to M Lucking & Sons

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like M Lucking & Sons

Other firms of the same type (funeral director), nearest first.

In Chelmsford

Adam & Greenwood Funeral Home LLPChelmsfordAppointed representativeBakers Funeral Services LimitedChelmsfordAppointed representativeT Pennack and Sons LimitedChelmsfordAppointed 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 M Lucking & Sons

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 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is M Lucking & Sons Ltd FCA authorised?
M Lucking & Sons Ltd (FRN 983848) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for M Lucking & Sons?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. M Lucking & Sons Ltd (FRN 983848) introduces customers to Golden Charter Limited (FRN 965279). Any regulated advice or arranging is done by the principal, not M Lucking & Sons. Example: if M Lucking & Sons refers you to a financial adviser, the advice should come from the principal firm, not from M Lucking & Sons itself. 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.
What is M Lucking & Sons’ phone number?
The FCA register lists the phone number 01245 353733 for M Lucking & Sons. If you were given different contact details, use these to check with the firm before going any further.
Is M Lucking & Sons a scam or clone?
M Lucking & Sons 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 M Lucking & Sons?
Protection works through Golden Charter Limited, the principal firm responsible for M Lucking & Sons's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns M Lucking & Sons?
Companies House lists 2 people with significant control of M Lucking & Sons: Mrs Christine Margaret Gowing (25–50% of shares) and Mrs Jenny Ann Mouser (25–50% of shares).
Who runs M Lucking & Sons?
Companies House lists 2 directors of M Lucking & Sons: Christine Margaret Gowing and Jenny Ann Mouser.
How long has M Lucking & Sons been in business?
The company was formed on 30 July 2019.
What do M Lucking & Sons’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £341k (<1% from £344k) and cash at bank of £102k (+22% from £83.6k).

Sources and links

The full report on M Lucking & Sons Ltd

£19.99 · Instant PDF download

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