Nlig Ltd: FCA regulated?

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.

Appointed for 19 years
Protected through the principal
No FCA actions
Active company since 2005
Accounts filed up to 30 November 2025
On its latest accounts it owed £49.0k more than it owned

Responsible principal firm

TONY MCDONAGH & CO LTD. Reference number: 307258 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.
NLIG LTD (FRN 460385) is an AR of TONY MCDONAGH & CO LTD. (FRN 307258). When you use NLIG's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from NLIG, 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.

Website

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

01992 703300
Address

Unit 5, Avoca House, 6 Kinetic Crescent, Enfield, Enfield, EN3 7FJ, United Kingdom

In the full report: 3 background checks

When nlig.co.uk first appeared online, and whether it can receive email
What kind of line 01992 703300 is
Who else gives the postcode EN3 7FJ

Other names (3)

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

North London Insurance Group Trading name: A name it trades under now.
Bespoke Indemnity Solutions Former trading name: A name it used to trade under.
BIS Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Tony McDonagh & Co 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: 05598004 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 October 2005 (21 years old)
Registered office: Avoca House The Pavilion Business Centre, 6 Kinetic Crescent, Enfield, Middlesex, EN3 7FJ
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Sean Anthony Mcdonagh	Director	Jun 1969	21 Oct 2005	7 other companies
James Mcdonagh	Director	Aug 1983	30 Nov 2011	2 other companies
Sean Mcdonagh	Secretary	Not published	20 Oct 2005	7 other companies

Other companies run by these 2 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: 7
closed down: 2
are FCA-registered: 3

In the full report: all 7 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register
The 2 companies these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 November 2025Full accountsNot audited

Net assets

−£49.0k

Down £51.6k from £2,603

Employees (average)

7

Same as 7

Net assets are negative: on its last balance sheet the company owed £49.0k more than it owned.

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.

Accounts filed at Companies House for company 05598004. 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

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

Key events (3) All events (13)

2016

6 April 2016

Tony McDonagh & Co. Ltd took control (75–100% of shares)

Companies House

2006

23 November 2006

Became an appointed representative

FCA register

2005

20 October 2005

Incorporated at Companies House

Companies House

In the full report: all 13 events

All 13 events in its history (3 shown here)
Every director appointment and resignation: 4

Firms connected to Nlig

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

connected firms: 5
share a director: 3
share its postcode: 5

In the full report: all 5 connected firms, named

How each is linked: shared directors (3), the same postcode (5)
Who links each one: the named directors, with dates

Firms like Nlig

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

In Enfield

Bespoke Indemnity Solutions LtdEnfieldAppointed representative Culford De Beauvoir LtdEnfieldAppointed representative Deqo LimitedEnfieldAppointed representative Melz & Co LimitedEnfieldAppointed representative N.L.I.G. (Investments) LtdEnfieldAppointed representative UK Hole in One LimitedEnfieldAppointed 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 Nlig

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

7 other companies its directors have run, named
3 background checks on its contact details
All 13 events in its history
5 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Nlig Ltd FCA authorised?

Nlig Ltd (FRN 460385) 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 Nlig?

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. Nlig Ltd (FRN 460385) is an AR of TONY MCDONAGH & CO LTD. (FRN 307258). When you use Nlig's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nlig, 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 Nlig’s phone number and website?

The FCA register lists the phone number 01992 703300 and the website nlig.co.uk for Nlig. If you were given different contact details, use these to check with the firm before going any further.

Is Nlig a scam or clone?

Nlig 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 Nlig?

Protection works through Tony McDonagh & Co Ltd., the principal firm responsible for Nlig's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Nlig?

Nlig is owned by Tony McDonagh & Co. Ltd, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.

Who runs Nlig?

Companies House lists 2 directors of Nlig: Sean Anthony McDonagh and James McDonagh.

How long has Nlig been in business?

The company was formed on 20 October 2005.

What do Nlig’s latest accounts show?

Its latest accounts, to 30 November 2025, show net assets of −£49.0k (down £51.6k from £2,603).

Does Nlig use any other names?

It trades as North London Insurance Group. It has previously used 2 other names: Bespoke Indemnity Solutions and BIS.