Naco Services Ltd

Reference number: 406468

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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

NIMMO'S OF CLACTON LIMITED Reference number: 306290 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.
  • Naco Services Ltd (FRN 406468) is an AR of NIMMO'S OF CLACTON LIMITED (FRN 306290). When you use Naco Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Naco 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.

In the full report: 3 background checks

  • When nacoservices.com first appeared online, and whether it can receive email
  • What kind of line 01255 820321 is, and the 4 other firms that give it
  • Who else gives the postcode CO16 8PA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Nimmo's of Clacton 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 name
NACO SERVICES LIMITED
Company number
03181358
Company status
Active
Company type
Private limited company
Incorporated
2 April 1996 (30 years old)
Registered office
37 Clacton Road, Leisurefame House, St. Osyth, Essex, CO16 8PA, United Kingdom
Nature of business
  • Activities of other membership organisations not elsewhere classified (SIC 94990)

Directors and company secretaries

Name Role Born Appointed Other companies
Terence William John Odell Director Oct 1947 14 Apr 1998 2 other companies
Rian Bradley Clayton Odell Director Oct 1980 1 Nov 2012 None
Stephen Peter Munro Director Mar 1958 11 Feb 2016 3 other companies
Daniel James Ellacott Director Sep 1979 21 Feb 2026 2 other companies
Stephen Peter Munro Secretary Not published 2 Apr 1996 3 other companies

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
1
are FCA-registered
4

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 4 on the FCA register
  • The 1 company these 4 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£1.67m

<1% from £1.67m

Cash at bank

£5,422

−43% from £9,493

Employees (average)

10

Same as 10

Owed within a year

£164k

−16% from £196k

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
Instant PDF download
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 03181358. 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

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

Key events (3) All events (15)

2018

28 March 2018

  • Terence William John Odell became the majority owner (50–75% of shares)

Companies House

2005

14 January 2005

  • Became an appointed representative

FCA register

1996

2 April 1996

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (3 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Naco Services

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

connected firms
5
share a director
4
share its phone number
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (4), the same phone number (4), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Naco Services

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

In the Colchester (CO) postcode area

Acorn Mortgage Services (Essex) LimitedColchesterAppointed representativeAIC Financial LtdAppointed representativeAmeriCover LimitedColchesterAppointed representativeAppointed Representative 1 LimitedColchesterAppointed representativeArma Karma LimitedColchesterAppointed representativeAssociation of Translation Companies LimitedColchesterAppointed 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 Naco 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 15 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Naco Services Ltd FCA authorised?
Naco Services Ltd (FRN 406468) 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 Naco Services?
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. Naco Services Ltd (FRN 406468) is an AR of NIMMO'S OF CLACTON LIMITED (FRN 306290). When you use Naco Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Naco 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.
What is Naco Services’ phone number and website?
The FCA register lists the phone number 01255 820321 and the website nacoservices.com for Naco Services. 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 4 other FCA firms.
Is Naco Services a scam or clone?
Naco 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 Naco Services?
Protection works through Nimmo's of Clacton Limited, the principal firm responsible for Naco Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Naco Services?
Companies House lists one person with significant control of Naco Services: Terence William John Odell (50–75% of shares).
Who runs Naco Services?
Companies House lists 4 directors of Naco Services: Terence William John Odell, Rian Bradley Clayton Odell, Stephen Peter Munro and Daniel James Ellacott.
How long has Naco Services been in business?
The company was formed on 2 April 1996.
What do Naco Services’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £1.67m (<1% from £1.67m) and cash at bank of £5,422 (−43% from £9,493).

Sources and links

The full report on Naco Services Ltd

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