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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 May 2025
Responsible principal firm
MOMENTUM BROKER SOLUTIONS LTD Reference number: 526435 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.
- Opal Black Insurance Services Ltd (FRN 979251) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use Opal Black Insurance Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Opal Black Insurance 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.
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No website on the FCA register
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Phone number
Also given by 3 firms that are no longer authorised. Check you are dealing with the firm on this page.
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Address
4 Sundridge Road, Woking, Surrey, GU22 9AU, United Kingdom
In the full report: 2 background checks
- What kind of line 0116 238 8880 is, and the 100 other firms that give it
- Who else gives the postcode GU22 9AU
Other names (1)
If you were contacted under any of these names, it is this firm.
- Opal Black Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Momentum Broker Solutions 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, freeYou 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
- OPAL BLACK INSURANCE SERVICES LIMITED
- Company number
- 14131941 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 May 2022 (4 years old)
- Registered office
- C/O Raw Accounting Ltd 2, Broad Street, Wokingham, Berkshire, RG40 1AB, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Samuel Charles Bowen | Director | Jan 1978 | 25 May 2022 | 1 other company |
| Nicola Marie Bowen | Secretary | Not published | 25 May 2022 | – |
Other companies run by its director
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 company
- 1
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Total equity
£18.0k
+31% from £13.8k
Cash at bank
£2,982
−44% from £5,356
Employees (average)
1
No earlier figure to compare
Owed within a year
£476k
Up £463k from £12.4k
Total equity
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 14131941. 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
Opal Black Insurance Services’s history from the FCA register and Companies House, newest first.
2022
5 August 2022
- Changed its registered name from "Opal Black Ltd"
FCA register
18 July 2022
- Became an appointed representative
FCA register
25 May 2022
- Incorporated at Companies House
- Nicola Marie Bowen became a part-owner (25–50% of shares)
- Samuel Charles Bowen became a part-owner (25–50% of shares)
- Samuel Charles Bowen appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Opal Black Insurance Services
Other FCA-listed firms that share a director, phone number or address with Opal Black Insurance Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 1
- share its phone number
- 11
In the full report: all 12 connected firms, named
- How each is linked: shared directors (1), the same phone number (11)
- Who links each one: the named directors, with dates
Firms like Opal Black Insurance Services
Other firms of the same type (insurance broker), nearest first.
In Woking
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 Opal Black Insurance Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk