Owen Baker Funeral Directors Ltd.: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 2 years
Protected through the principal
No FCA actions
Active company since 1996
Accounts filed up to 31 July 2025
On its latest accounts it owed £8,940 more than it owned

Responsible principal firm

Golden Charter Limited Reference number: 965279 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.
OWEN BAKER FUNERAL DIRECTORS LTD. (FRN 1017515) introduces customers to Golden Charter Limited (FRN 965279). Any regulated advice or arranging is done by the principal, not OWEN BAKER FUNERAL DIRECTORS.
Example: if OWEN BAKER FUNERAL DIRECTORS refers you to a financial adviser, the advice should come from the principal firm, not from OWEN BAKER FUNERAL DIRECTORS 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.

No website on the FCA register
Phone number

0161 446 1006
Address

Owen Baker Funeral Directors, 523 Wilmslow Road, Manchester, Manchester, M20 4BA, United Kingdom

In the full report: 2 background checks

What kind of line 0161 446 1006 is
Who else gives the postcode M20 4BA

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Golden Charter 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: 03273608 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 November 1996 (29 years old)
Registered office: 523 Wilmslow Road, Withington, Manchester, Greater Manchester, M20 4BA
Nature of business: Funeral and related activities (SIC 96030)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nathanial Kurt	Director	Nov 1966	5 Nov 1996	1 other company

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
closed down: 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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Total equity

−£8,940

Up £72 from −£9,012

Cash at bank

£690

−35% from £1,065

Employees (average)

2

Same as 2

Owed within a year

£9,630

−4.4% from £10.1k

Total equity is negative: on its last balance sheet the company owed £8,940 more than it owned.

Total equity

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

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 03273608. 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

Owen Baker Funeral Directors’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2024

24 September 2024

Became an introducer appointed representative

FCA register

2016

20 July 2016

Nathanial Kurt took control (75–100% of shares)

Companies House

1996

5 November 1996

Incorporated at Companies House

Companies House

In the full report: all 7 events

All 7 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms connected to Owen Baker Funeral Directors

Other FCA-listed firms that share a director, phone number or address with Owen Baker Funeral Directors. 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

Firms like Owen Baker Funeral Directors

Other firms of the same type (funeral director), nearest first.

In Manchester

Bridgewater Funeral Service LtdManchesterAppointed representative Broadoak Funeral Services LimitedManchesterAppointed representative C Middleton & Son LtdManchesterAppointed representative Fallon Family Funerals LtdManchesterAppointed representative Funeral Services LimitedManchesterAppointed representative Harold P. Heywood & Co. 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 Owen Baker Funeral Directors

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
7 years of accounts, charted
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Owen Baker Funeral Directors Ltd. FCA authorised?

Owen Baker Funeral Directors Ltd. (FRN 1017515) 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 Owen Baker Funeral Directors?

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. Owen Baker Funeral Directors Ltd. (FRN 1017515) introduces customers to Golden Charter Limited (FRN 965279). Any regulated advice or arranging is done by the principal, not Owen Baker Funeral Directors. Example: if Owen Baker Funeral Directors refers you to a financial adviser, the advice should come from the principal firm, not from Owen Baker Funeral Directors 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 Owen Baker Funeral Directors’ phone number?

The FCA register lists the phone number 0161 446 1006 for Owen Baker Funeral Directors. If you were given different contact details, use these to check with the firm before going any further.

Is Owen Baker Funeral Directors a scam or clone?

Owen Baker Funeral Directors 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 Owen Baker Funeral Directors?

Protection works through Golden Charter Limited, the principal firm responsible for Owen Baker Funeral Directors's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Owen Baker Funeral Directors?

Companies House lists one person with significant control of Owen Baker Funeral Directors: Mr Nathanial Kurt (75–100% of shares).

Who runs Owen Baker Funeral Directors?

Companies House lists one director of Owen Baker Funeral Directors: Nathanial Kurt.

How long has Owen Baker Funeral Directors been in business?

The company was formed on 5 November 1996.

What do Owen Baker Funeral Directors’ latest accounts show?

Its latest accounts, to 31 July 2025, show total equity of −£8,940 (up £72 from −£9,012) and cash at bank of £690 (−35% from £1,065).