Onevoice Digital Limited

Reference number: 1030286

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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

Holiday Extras Cover Limited Reference number: 828848 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.
  • Onevoice Digital Limited (FRN 1030286) introduces customers to Holiday Extras Cover Limited (FRN 828848). Any regulated advice or arranging is done by the principal, not Onevoice Digital.
  • Example: if Onevoice Digital refers you to a financial adviser, the advice should come from the principal firm, not from Onevoice Digital 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.

In the full report: 3 background checks

  • When totum.com first appeared online, and whether it can receive email
  • What kind of line 0161 227 9900 is
  • Who else gives the postcode M4 6WX
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Other names (1)

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

  • TOTUM Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Holiday Extras Cover 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
10842253
Company status
Active
Company type
Private limited company
Incorporated
29 June 2017 (9 years old)
Registered office
Jactin House, 24 Hood Street, Manchester, M4 6WX, England
Nature of business
  • Media representation services (SIC 73120)

Directors and company secretaries

Name Role Born Appointed Other companies
Julian Robert Howison Director Jul 1961 29 Jun 2017 4 other companies
Graeme Kirkpatrick Director Dec 1980 1 Jun 2025 None
Tanya Kaye Roberts Director Nov 1966 1 Jul 2025 None

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
4
still active
4

In the full report: all 4 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
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£16.9m

Down £1.04m from −£15.8m

Cash at bank

£141k

−26% from £190k

Employees (average)

27

−13% from 31

Owed within a year

£2.29m

−12% from £2.59m

Net assets are negative: on its last balance sheet the company owed £16.9m more than it owned.

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
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 10842253. 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

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

Key events (8) All events (22)

2025

15 March 2025

  • Became an introducer appointed representative

FCA register

2019

29 August 2019

  • Arrk Limited gave up control
  • Julian Robert Howison became a part-owner (25–50% of shares)
  • Sonal Surendra Nagda became a part-owner (25–50% of shares)

Companies House

2017

25 July 2017

  • Arrk Limited took control (75–100% of shares)
  • Julian Robert Howison gave up control

Companies House

29 June 2017

  • Incorporated at Companies House
  • Julian Robert Howison took control (75–100% of shares)

Companies House

In the full report: all 22 events

  • All 22 events in its history (8 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Onevoice Digital

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Onevoice Digital

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

In Manchester

Akbani Financial LtdManchesterAppointed representativeAll Toogether LtdManchesterAppointed representativeAMS IB LimitedManchesterAppointed representativeArn Financial Services LTDManchesterAppointed representativeAscott Life and Health LimitedManchesterAppointed representativeAucteris LimitedManchesterAppointed 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 Onevoice Digital

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 22 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Onevoice Digital Limited FCA authorised?
Onevoice Digital Limited (FRN 1030286) 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 Onevoice Digital?
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. Onevoice Digital Limited (FRN 1030286) introduces customers to Holiday Extras Cover Limited (FRN 828848). Any regulated advice or arranging is done by the principal, not Onevoice Digital. Example: if Onevoice Digital refers you to a financial adviser, the advice should come from the principal firm, not from Onevoice Digital 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 Onevoice Digital’s phone number and website?
The FCA register lists the phone number 0161 227 9900 and the website totum.com for Onevoice Digital. If you were given different contact details, use these to check with the firm before going any further.
Is Onevoice Digital a scam or clone?
Onevoice Digital 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 Onevoice Digital?
Protection works through Holiday Extras Cover Limited, the principal firm responsible for Onevoice Digital's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Onevoice Digital?
Companies House lists 2 people with significant control of Onevoice Digital: Mr Julian Robert Howison (25–50% of shares) and Ms Sonal Surendra Nagda (25–50% of shares). Before that, it was controlled by Arrk Limited.
Who runs Onevoice Digital?
Companies House lists 3 directors of Onevoice Digital: Julian Robert Howison, Graeme Kirkpatrick and Tanya Kaye Roberts.
How long has Onevoice Digital been in business?
The company was formed on 29 June 2017.
What do Onevoice Digital’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£16.9m (down £1.04m from −£15.8m) and cash at bank of £141k (−26% from £190k).
Does Onevoice Digital use any other names?
It trades as TOTUM.

Sources and links

The full report on Onevoice Digital Limited

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