Mick Cunningham Spalding Ltd

Reference number: 912518

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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.

Responsible principal firm

MOMENTUM BROKER SOLUTIONS LTD Reference number: 526435 Authorised 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.
  • Mick Cunningham Spalding Ltd (FRN 912518) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use Mick Cunningham Spalding's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mick Cunningham Spalding, 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.

  • No website on the FCA register

  • Phone number

    0116 238 8880

    Also given by 3 firms that are no longer authorised. Check you are dealing with the firm on this page.

  • Address

    39 Pennytoft Lane, Pinchbeck, Spalding, Lincolnshire, PE11 3PQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 0116 238 8880 is, and the 100 other firms that give it
  • Who else gives the postcode PE11 3PQ
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Other names (1)

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

  • Mick Cunningham Insurance Brokers Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Momentum Broker Solutions Ltd, 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
12058416
Company status
Active
Company type
Private limited company
Incorporated
19 June 2019 (7 years old)
Registered office
39 Pennytoft Lane, Pinchbeck, Spalding, PE11 3PQ, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael John Cunningham Director Apr 1957 19 Jun 2019 None
Glynis Nora Cunningham Secretary Not published 19 Jun 2019 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Total equity

£195

Down £159 from £354

Cash at bank

£4,656

Up £4,630 from £26

Employees (average)

2

Same as 2

Owed within a year

£8,101

<1% from £8,098

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 12058416. 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

Mick Cunningham Spalding’s history from the FCA register and Companies House, newest first.

2020

2 March 2020

  • Began trading as "Mick Cunningham Insurance Brokers"

FCA register

2019

21 August 2019

  • Became an appointed representative

FCA register

19 June 2019

  • Incorporated at Companies House
  • Michael John Cunningham took control (75–100% of shares)
  • Michael John Cunningham appointed as a director

Companies House

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

Firms connected to Mick Cunningham Spalding

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

connected firms
12
share its phone number
12

In the full report: all 12 connected firms, named

  • How each is linked: the same phone number (12)
  • Who links each one: the named directors, with dates
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Firms like Mick Cunningham Spalding

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

In Spalding

EGM Insurance Brokers LtdSpaldingAppointed representativeP J Ingleby, A S Cross, J D Burton, S E Powell & A ThorpeSpaldingAppointed representativeThe Mortgage People (Midlands) LimitedSpaldingAppointed representativeJ Krumina LimitedSpaldingAppointed representativeDervensure Insurance Brokers LtdSpaldingAuthorisedK Burton & Son LimitedSpaldingAuthorised

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 Mick Cunningham Spalding

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
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Mick Cunningham Spalding Ltd FCA authorised?
Mick Cunningham Spalding Ltd (FRN 912518) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Mick Cunningham Spalding?
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. Mick Cunningham Spalding Ltd (FRN 912518) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use Mick Cunningham Spalding's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mick Cunningham Spalding, 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.
What is Mick Cunningham Spalding’s phone number?
The FCA register lists the phone number 0116 238 8880 for Mick Cunningham Spalding. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 100 other FCA firms, 3 of which are no longer authorised.
Is Mick Cunningham Spalding a scam or clone?
Mick Cunningham Spalding 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 Mick Cunningham Spalding?
Protection works through Momentum Broker Solutions Ltd, the principal firm responsible for Mick Cunningham Spalding's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mick Cunningham Spalding?
Companies House lists one person with significant control of Mick Cunningham Spalding: Mr Michael John Cunningham (75–100% of shares).
Who runs Mick Cunningham Spalding?
Companies House lists one director of Mick Cunningham Spalding: Michael John Cunningham.
How long has Mick Cunningham Spalding been in business?
The company was formed on 19 June 2019.
What do Mick Cunningham Spalding’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of £195 (down £159 from £354) and cash at bank of £4,656 (up £4,630 from £26).
Does Mick Cunningham Spalding use any other names?
It trades as Mick Cunningham Insurance Brokers.

Sources and links

The full report on Mick Cunningham Spalding Ltd

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