Pickles & Burns Ltd

Reference number: 712347

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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 11 years
Protected through the principal
No FCA actions
Active company since 2014
Accounts filed up to 31 December 2025
On its latest accounts it owed £2,878 more than it owned

Responsible principal firm

FRANK PICKLES (INSURANCE BROKERS) LIMITED Reference number: 305297 Authorised 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.
Pickles & Burns Ltd (FRN 712347) is an AR of FRANK PICKLES (INSURANCE BROKERS) LIMITED (FRN 305297). When you use Pickles & Burns's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Pickles & Burns, 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.

Website

gapinsurance.co.uk (opens in a new tab)
Phone number

01484 490095
Address

1st Floor, 20 Swan Street, Manchester, Manchester, M4 5JW, United Kingdom

In the full report: 3 background checks

When gapinsurance.co.uk first appeared online, and whether it can receive email
What kind of line 01484 490095 is
Who else gives the postcode M4 5JW

Other names (2)

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

Drivewise Trading name: A name it trades under now.
gapinsurance.co.uk Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Frank Pickles (Insurance Brokers) 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 name: PICKLES & BURNS LIMITED
Company number: 09062446 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 May 2014 (12 years old)
Registered office: First Floor, Swan Buildings, 20 Swan Street, Manchester, M4 5JW, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David Terry Burns Keane	Director	Mar 1978	29 May 2014	None

In the full report: every company its directors have run

Confirmation that its director runs no other company
Both people who have been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

−£2,878

Up £9,169 from −£12.0k

Cash at bank

£34.2k

−30% from £48.7k

Owed within a year

£49.5k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £2,878 more than it owned.

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

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 09062446. 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

Pickles & Burns’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2018

1 January 2018

Andrew Frank Pickles stopped being a part-owner

Companies House

2016

6 April 2016

Andrew Frank Pickles became a part-owner (25–50% of shares)
David Terry Burns-Keane took control (75–100% of shares)

Companies House

2015

31 July 2015

Became an appointed representative

FCA register

2014

29 May 2014

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms like Pickles & Burns

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

In Manchester

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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 Pickles & Burns

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
3 background checks on its contact details
7 years of accounts, charted
All 10 events in its history

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Frequently asked questions about this firm

Is Pickles & Burns Ltd FCA authorised?

Pickles & Burns Ltd (FRN 712347) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Pickles & Burns?

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. Pickles & Burns Ltd (FRN 712347) is an AR of FRANK PICKLES (INSURANCE BROKERS) LIMITED (FRN 305297). When you use Pickles & Burns's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pickles & Burns, 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.

What is Pickles & Burns’ phone number and website?

The FCA register lists the phone number 01484 490095 and the website gapinsurance.co.uk for Pickles & Burns. If you were given different contact details, use these to check with the firm before going any further.

Is Pickles & Burns a scam or clone?

Pickles & Burns 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 Pickles & Burns?

Protection works through Frank Pickles (Insurance Brokers) Limited, the principal firm responsible for Pickles & Burns's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Pickles & Burns?

Companies House lists one person with significant control of Pickles & Burns: Mr David Terry Burns-Keane (75–100% of shares). Before that, it was controlled by Mr Andrew Frank Pickles.

Who runs Pickles & Burns?

Companies House lists one director of Pickles & Burns: David Terry Burns Keane.

How long has Pickles & Burns been in business?

The company was formed on 29 May 2014.

What do Pickles & Burns’ latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£2,878 (up £9,169 from −£12.0k) and cash at bank of £34.2k (−30% from £48.7k).

Does Pickles & Burns use any other names?

It trades as Drivewise and gapinsurance.co.uk.

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