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 under a year
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 28 February 2026
Responsible principal firm
Sante Partners Ltd Reference number: 914023 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 Compass Ltd (FRN 1059208) is an AR of Sante Partners Ltd (FRN 914023). When you use Opal Compass's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Opal Compass, 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
-
Address
Bush House, Spreyton, Crediton, Devon, EX17 5AL, United Kingdom
In the full report: 2 background checks
- What kind of line 07976 249327 is
- Who else gives the postcode EX17 5AL
Other names (1)
If you were contacted under any of these names, it is this firm.
- Sante Assure Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sante Partners 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 number
- 14696616 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 March 2023 (3 years old)
- Registered office
- 128 High Street, Crediton, Devon, EX17 3LQ, United Kingdom
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Emma Covington-Cross | Director | Mar 1973 | 1 Mar 2023 | None |
| Mike Evans | Director | Apr 1965 | 1 Mar 2023 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£30.7k
No earlier figure to compare
Employees (average)
4
+33% from 3
Owed within a year
£17.9k
−50% from £35.7k
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 14696616. 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 Compass’s history from the FCA register and Companies House, newest first.
2026
15 July 2026
- Became an appointed representative
FCA register
2023
1 March 2023
- Incorporated at Companies House
- Emma Covington-Cross became a part-owner (25–50% of shares)
- Mike Evans became a part-owner (25–50% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Opal Compass
Other firms of the same type (insurance broker), nearest first.
In Crediton
In the Exeter (EX) postcode area
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 Compass
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 7 events in its history
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Frequently asked questions about this firm
Is Opal Compass Ltd FCA authorised?
What does appointed representative mean for Opal Compass?
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Is Opal Compass a scam or clone?
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Who owns Opal Compass?
Who runs Opal Compass?
How long has Opal Compass been in business?
What do Opal Compass’ latest accounts show?
Does Opal Compass use any other names?
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