Regency Risk Solutions Limited: FCA regulated?

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 March 2025
On its latest accounts it owed £22.4k more than it owned

Responsible principal firm

GAUNTLET RISK MANAGEMENT LIMITED Reference number: 308081 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.
Regency Risk Solutions Limited (FRN 677145) is an AR of GAUNTLET RISK MANAGEMENT LIMITED (FRN 308081). When you use Regency Risk Solutions's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Regency Risk Solutions, 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.

No website on the FCA register
Phone number

0161 280 4000
Address

Regency Chambers, Jubilee Way, Bury, Greater Manchester, BL9 0JW, United Kingdom

In the full report: 2 background checks

What kind of line 0161 280 4000 is
Who else gives the postcode BL9 0JW

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Gauntlet Risk Management 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: 09354219 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 December 2014 (11 years old)
Registered office: Regency Chambers, Jubilee Way, Bury, BL9 0JW
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Paul Alec Twitchett	Director	May 1963	15 Dec 2014	2 other companies
John Thomas Farrell	Director	Oct 1965	22 Oct 2015	9 other companies

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: 11
closed down: 1
went insolvent: 3

In the full report: all 11 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
The 3 that went into liquidation or administration
The 3 on the FCA register
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

−£22.4k

Up £6,135 from −£28.5k

Cash at bank

£6,325

+146% from £2,576

Employees (average)

2

−33% from 3

Owed within a year

£35.9k

+1.1% from £35.5k

Net assets are negative: on its last balance sheet the company owed £22.4k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 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 09354219. 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

Regency Risk Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

6 April 2016

Paul Alec Twitchett became a part-owner (25–50% of shares)
Peter Ratcliffe became a part-owner (25–50% of shares)

Companies House

2015

16 March 2015

Became an appointed representative

FCA register

2014

15 December 2014

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 4

Firms connected to Regency Risk Solutions

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

connected firms: 3
share a director: 3
share its postcode: 2

In the full report: all 3 connected firms, named

How each is linked: shared directors (3), the same postcode (2)
Who links each one: the named directors, with dates

Firms like Regency Risk Solutions

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

In Bury

Constructancy LimitedBuryAppointed representative FD Vision LtdBuryAppointed representative Insure My Business (Nw) LtdBuryAppointed representative K Woodcock, C A Abbott & E W M JonesBuryAppointed representative Michael John ParryBuryAppointed representative SFCR LimitedBuryAppointed 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 Regency Risk Solutions

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

11 other companies its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 8 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Regency Risk Solutions Limited FCA authorised?

Regency Risk Solutions Limited (FRN 677145) 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 Regency Risk Solutions?

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. Regency Risk Solutions Limited (FRN 677145) is an AR of GAUNTLET RISK MANAGEMENT LIMITED (FRN 308081). When you use Regency Risk Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Regency Risk Solutions, 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 Regency Risk Solutions’ phone number?

The FCA register lists the phone number 0161 280 4000 for Regency Risk Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is Regency Risk Solutions a scam or clone?

Regency Risk Solutions 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 Regency Risk Solutions?

Protection works through Gauntlet Risk Management Limited, the principal firm responsible for Regency Risk Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Regency Risk Solutions?

Companies House lists 2 people with significant control of Regency Risk Solutions: Mr Peter Ratcliffe (25–50% of shares) and Mr Paul Alec Twitchett (25–50% of shares).

Who runs Regency Risk Solutions?

Companies House lists 2 directors of Regency Risk Solutions: Paul Alec Twitchett and John Thomas Farrell.

How long has Regency Risk Solutions been in business?

The company was formed on 15 December 2014.

What do Regency Risk Solutions’ latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of −£22.4k (up £6,135 from −£28.5k) and cash at bank of £6,325 (+146% from £2,576).