Premier Commercial Limited

Reference number: 303287

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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 premiercommercial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 380 4100 is
  • Who else gives the postcode EH12 5HH
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Other names (5)

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

  • iConstruct Trading name: A name it trades under now.
  • Premco Trading name: A name it trades under now.
  • Premco Underwriting Trading name: A name it trades under now.
  • Midas Former trading name: A name it used to trade under.
  • Xs Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
Company status
Active
Company type
Private limited company
Incorporated
14 September 1995 (31 years old)
Registered office
Stanhope House, 12 Stanhope Place, Edinburgh, EH12 5HH, Scotland
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Crawford Boyd Director Jul 1967 26 Sep 1995 7 other companies
Clive Adam Nathan Director Apr 1965 3 Mar 2025 38 other companies
Andrew Stewart Hunter Secretary Not published 3 Mar 2025 –

Other companies run by these 2 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
45
closed down
17
are FCA-registered
10

In the full report: all 45 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 10 on the FCA register
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

£282k

+55% from £182k

Cash at bank

£562k

+7% from £525k

Employees (average)

9

+13% from 8

Owed within a year

£1.24m

+3.2% from £1.21m

Its next accounts are overdue at Companies House.

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 SC160330. 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

Premier Commercial’s history from the FCA register and Companies House, newest first.

2025

3 March 2025

  • Brown & Brown Mga Holdco (UK) Limited took control (75–100% of shares)
  • Crawford Boyd stopped being a part-owner
  • Joyce Boyd stopped being a part-owner

Companies House

2016

14 September 2016

  • Crawford Boyd became a part-owner (25–50% of shares)
  • Joyce Boyd became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1995

14 September 1995

  • Incorporated at Companies House

Companies House

In the full report: all 31 events

  • All 31 events in its history (9 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Premier Commercial

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

connected firms
7
share a director
7
past links
3

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (7)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
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Firms like Premier Commercial

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

In Edinburgh

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 Premier Commercial

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

  • 45 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 31 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Premier Commercial Limited FCA authorised?
Yes, Premier Commercial Limited (FRN 303287) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Premier Commercial’s phone number and website?
The FCA register lists the phone number 0131 380 4100 and the website premiercommercial.co.uk for Premier Commercial. If you were given different contact details, use these to check with the firm before going any further.
Is Premier Commercial a scam or clone?
Premier Commercial 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 Premier Commercial?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Premier Commercial to the Financial Ombudsman Service, free of charge.
Who owns Premier Commercial?
Premier Commercial is owned by Brown & Brown Mga Holdco (UK) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 3 March 2025. Before that, it was controlled by Mr Crawford Boyd and Mrs Joyce Boyd.
Who runs Premier Commercial?
Companies House lists 2 directors of Premier Commercial: Crawford Boyd and Clive Adam Nathan.
How long has Premier Commercial been in business?
The company was formed on 14 September 1995, and has held its current FCA authorisation since January 2005.
What do Premier Commercial’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £282k (+55% from £182k) and cash at bank of £562k (+7% from £525k). Its accounts are overdue at Companies House.
Does Premier Commercial use any other names?
It trades as iConstruct, Premco and Premco Underwriting. It has previously used 2 other names: Midas and Xs.

Sources and links

The full report on Premier Commercial Limited

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