Only Pets Cover Limited

Reference number: 840293

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Authorised by the FCA

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

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 scratchandpatch.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 102 6839 is
  • Who else gives the postcode EC2M 4QD
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Other names (1)

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

  • Scratch & Patch Trading name: A name it trades under now.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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.
  • 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 (4 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Dealing in investments as agent
  • 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 status
Active
Company type
Private limited company
Incorporated
27 January 2016 (10 years old)
Registered office
124 City Road, London, EC1V 2NX, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Louis Francois Jacobus Nell Director Mar 1976 19 Mar 2020 16 other companies
Peter John Thompson Director Mar 1961 1 Jul 2022 1 other company
David Paul Hughes Director Mar 1975 27 Mar 2026 2 other companies

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
17
closed down
11
is FCA-registered
1

In the full report: all 17 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 one on the FCA register
  • The 1 company these 3 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£872k

+146% from £355k

Cash at bank

£472k

No earlier figure to compare

Employees (average)

10

+43% from 7

Owed within a year

£647k

+67% from £389k

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
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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.

Accounts filed at Companies House for company 09971968. 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

Only Pets Cover’s history from the FCA register and Companies House, newest first.

2019

4 September 2019

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

FCA register

30 June 2019

  • Christopher Leyton Keey stopped being a part-owner
  • Ian Timothy Rayland stopped being a part-owner
  • Opc Holdings Limited took control (75–100% of shares)

Companies House

2018

6 December 2018

  • Ian Timothy Rayland became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Christopher Leyton Keey became a part-owner (25–50% of shares)

Companies House

27 January 2016

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (8 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Only Pets Cover

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

connected firms
3
share its postcode
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Only Pets Cover

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

In London

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 Only Pets Cover

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

  • 17 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 23 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Only Pets Cover Limited FCA authorised?
Yes, Only Pets Cover Limited (FRN 840293) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2019 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Only Pets Cover’s phone number and website?
The FCA register lists the phone number 0330 102 6839 and the website scratchandpatch.co.uk for Only Pets Cover. If you were given different contact details, use these to check with the firm before going any further.
Is Only Pets Cover a scam or clone?
Only Pets Cover 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 Only Pets Cover?
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 Only Pets Cover to the Financial Ombudsman Service, free of charge.
Who owns Only Pets Cover?
Only Pets Cover is owned by Opc Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 June 2019. Before that, it was controlled by Mr Ian Timothy Rayland and Mr Christopher Leyton Keey.
Who runs Only Pets Cover?
Companies House lists 3 directors of Only Pets Cover: Louis Francois Jacobus Nell, Peter John Thompson and David Paul Hughes.
How long has Only Pets Cover been in business?
The company was formed on 27 January 2016, and has held its current FCA authorisation since September 2019.
What do Only Pets Cover’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £872k (+146% from £355k) and cash at bank of £472k (no earlier figure to compare).
Does Only Pets Cover use any other names?
It trades as Scratch & Patch.

Sources and links

The full report on Only Pets Cover Limited

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