Richardsons Funeral Directors Limited

Reference number: 981197

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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.

Responsible principal firm

Golden Charter Limited Reference number: 965279 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.
  • RICHARDSONS FUNERAL DIRECTORS LIMITED (FRN 981197) is an AR of Golden Charter Limited (FRN 965279). When you use RICHARDSONS FUNERAL DIRECTORS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from RICHARDSONS FUNERAL DIRECTORS, 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

    01768 891189

  • Address

    Richardsons Funeral Directors, 38 Victoria Road, Penrith, Cumbria, CA11 8HR, United Kingdom

In the full report: 2 background checks

  • What kind of line 01768 891189 is
  • Who else gives the postcode CA11 8HR
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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
05307311
Company status
Active
Company type
Private limited company
Incorporated
8 December 2004 (21 years old)
Registered office
38 Victoria Road, Penrith, Cumbria, CA11 8HR
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Keith George Dudson Director Nov 1938 9 Dec 2004 3 other companies
Stephen Dudson Director Jun 1958 9 Dec 2004 2 other companies
Keith George Dudson Secretary Not published 9 Dec 2004 3 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
3
still active
3
run together
2

In the full report: all 3 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 2 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Full accountsNot audited

Net assets

£2.47m

+4.9% from £2.35m

Cash at bank

£1.91m

+7.1% from £1.79m

Employees (average)

8

Same as 8

Owed within a year

£103k

−29% from £145k

Net assets

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
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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 05307311. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2022

18 August 2022

  • Became an appointed representative

FCA register

2016

21 December 2016

  • Dudson No. 2 Settlement became a part-owner (25–50% of shares)
  • Stephen Dudson became a part-owner (25–50% of shares)

Companies House

2004

9 December 2004

  • Keith George Dudson appointed as a director
  • Stephen Dudson appointed as a director

Companies House

8 December 2004

  • Incorporated at Companies House

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Richardsons Funeral Directors

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

In Penrith

A & S Smyth & E MessengerPenrithAppointed representative

In the Carlisle (CA) postcode area

Adams Read and Hocking (Funeral Directors) LimitedCleatorAppointed representativeF. Irving & Son LimitedFrizingtonAppointed representativeJill Glencross Independent Funeral Directors LtdCarlisleAppointed representativeJohn Sandelands (Funeral Directors) LimitedWorkingtonAppointed representativeJohn, David & Margaret YeowartWhitehavenAppointed 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 Richardsons Funeral Directors

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Richardsons Funeral Directors Limited FCA authorised?
Richardsons Funeral Directors Limited (FRN 981197) 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 Richardsons Funeral Directors?
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. Richardsons Funeral Directors Limited (FRN 981197) is an AR of Golden Charter Limited (FRN 965279). When you use Richardsons Funeral Directors's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Richardsons Funeral Directors, 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 Richardsons Funeral Directors’ phone number?
The FCA register lists the phone number 01768 891189 for Richardsons Funeral Directors. If you were given different contact details, use these to check with the firm before going any further.
Is Richardsons Funeral Directors a scam or clone?
Richardsons 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 Richardsons Funeral Directors?
Protection works through Golden Charter Limited, the principal firm responsible for Richardsons Funeral Directors's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Richardsons Funeral Directors?
Companies House lists 2 people with significant control of Richardsons Funeral Directors: Mr Stephen Dudson (25–50% of shares) and Dudson No. 2 Settlement (25–50% of shares).
Who runs Richardsons Funeral Directors?
Companies House lists 2 directors of Richardsons Funeral Directors: Keith George Dudson and Stephen Dudson.
How long has Richardsons Funeral Directors been in business?
The company was formed on 8 December 2004.
What do Richardsons Funeral Directors’ latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £2.47m (+4.9% from £2.35m) and cash at bank of £1.91m (+7.1% from £1.79m).

Sources and links

The full report on Richardsons Funeral Directors Limited

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