Next Risk Solutions Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 10 years
Your funds are protected by FSCS
No FCA actions
Active company since 2013
Accounts filed up to 30 September 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

quotedetective.com (opens in a new tab)
Phone number

0333 222 4005
Address

Top Floor Cwmbran House, Mamhilad Park Estate, Mamhilad, Pontypool, NP4 0HZ, United Kingdom

In the full report: 3 background checks

When quotedetective.com first appeared online, and whether it can receive email
What kind of line 0333 222 4005 is
Who else gives the postcode NP4 0HZ

Other names (5)

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

Quote Detective Trading name: A name it trades under now.
quotedetective.com Trading name: A name it trades under now.
quotedetective.co.uk Trading name: A name it trades under now.
Threecastlescover.com Former trading name: A name it used to trade under.
Young Driver Services Former trading name: A name it used to trade under.

FCA permissions and consumer protection

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.
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)

Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Dealing in investments as agent
Debt Administration
Debt-collecting
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: 08503000 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 April 2013 (13 years old)
Registered office: Top Floor Cwmbran House Mamhilad Park Estate, Mamhilad, Pontypool, NP4 0HZ, Wales
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David George Harlow	Director	Jan 1970	1 Oct 2014	9 other companies
Gareth William Evans	Director	Jul 1985	1 Feb 2016	2 other companies
Craig Anthony Dunckley	Director	Nov 1981	25 Feb 2016	1 other company

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: 11
closed down: 5
are FCA-registered: 2

In the full report: all 11 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 2 on the FCA register
The 1 company these 3 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£1.80m

+46% from £1.23m

Cash at bank

£921k

−35% from £1.42m

Employees (average)

97

−6.7% from 104

Owed within a year

£2.02m

−29% from £2.83m

Assets and liabilities

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 08503000. 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

Next Risk Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (24)

2018

10 May 2018

Ph Innovate (Broking) Limited took control (75–100% of shares)

Companies House

2015

25 November 2015

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2013

24 April 2013

Incorporated at Companies House

Companies House

In the full report: all 24 events

All 24 events in its history (4 shown here)
Every director appointment and resignation: 11

Firms connected to Next Risk Solutions

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

connected firm: 1
share a director: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: shared directors (1), the same postcode (1)
Who links it to this firm: the named directors, with dates
1 past link through former directors

Firms like Next Risk Solutions

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

In Pontypool

PH Innovate (New Inn) LimitedPontypoolAppointed representative Quotethemarket.co.uk LimitedPontypoolAppointed representative

In the Newport (NP) postcode area

F. R. Ball (Insurance) LimitedAbergavennyAuthorised Foundat LimitedMonmouthAuthorised P H J Mitchem Associates LimitedTredegarAuthorised Policy Assist Ltd.Ebbw ValeAuthorised

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 Next Risk Solutions

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

11 other companies its directors have run, named
3 background checks on its contact details
All 24 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Next Risk Solutions Limited FCA authorised?

Yes, Next Risk Solutions Limited (FRN 705135) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Next Risk Solutions’ phone number and website?

The FCA register lists the phone number 0333 222 4005 and the website quotedetective.com for Next Risk Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is Next Risk Solutions a scam or clone?

Next Risk Solutions 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 Next Risk Solutions?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Next Risk Solutions to the Financial Ombudsman Service, free of charge.

Who owns Next Risk Solutions?

Next Risk Solutions is owned by Ph Innovate (Broking) Limited, which holds 75–100% of shares, 75–100% of votes and held through a firm, since 10 May 2018.

Who runs Next Risk Solutions?

Companies House lists 3 directors of Next Risk Solutions: David George Harlow, Gareth William Evans and Craig Anthony Dunckley.

How long has Next Risk Solutions been in business?

The company was formed on 24 April 2013, and has held its current FCA authorisation since November 2015.

What do Next Risk Solutions’ latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of £1.80m (+46% from £1.23m) and cash at bank of £921k (−35% from £1.42m).

Does Next Risk Solutions use any other names?

It trades as Quote Detective, quotedetective.com and quotedetective.co.uk. It has previously used 2 other names: Threecastlescover.com and Young Driver Services.