Sep Insurance Services Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 31 March 2025
1 thing worth a closer look in the background checks

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

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

0151 245 4575
Address

10 Berry Street, Bootle, Liverpool, L20 8AT, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When gomigo.co.uk first appeared online, and whether it can receive email
What kind of line 0151 245 4575 is
Who else gives the postcode L20 8AT

Other names (2)

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

GOMIGO Trading name: A name it trades under now.
SEP Brokers ltd Former name: A name it was registered under before.

FCA permissions and consumer protection

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.
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.
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 (6 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
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.

Company number: 11285257 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 31 March 2018 (8 years old)
Registered office: Mrib House, 25 Amersham Hill, High Wycombe, Buckinghamshire, HP13 6NU
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Philip Joseph Stafford	Director	Dec 1981	31 Mar 2018	None
Philip Andrew Barton	Director	Oct 1962	21 Jun 2024	None
Charles Verden Bettinson	Director	Jan 1974	21 Jun 2024	64 other companies

Other companies run by these 3 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: 64
closed down: 13
are FCA-registered: 23

In the full report: all 64 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 23 on the FCA register, including one no longer authorised

Filed accounts and finances

18 months to 31 March 2025Full accountsNot audited

Profit before tax

£176k

Not compared: the previous accounts cover a different length of time

Net assets

£222k

+28% from £174k

Cash at bank

£552k

+101% from £275k

Owed within a year

£900k

+453% from £163k

The previous accounts cover 12 months, so turnover and profit are not compared with them.

Assets and liabilities

In the full report: all 5 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.

Accounts filed at Companies House for company 11285257. 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

Sep Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2024

21 June 2024

Partners& Holdings Limited took control (75–100% of shares)
Philip Joseph Stafford gave up control

Companies House

2018

19 July 2018

Changed its registered name from "SEP Brokers ltd"

FCA register

2 July 2018

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

31 March 2018

Incorporated at Companies House
Philip Joseph Stafford took control (75–100% of shares)

Companies House

In the full report: all 13 events

All 13 events in its history (7 shown here)
Every director appointment and resignation: 3

Firms like Sep Insurance Services

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

In Liverpool

Butterworth Spengler Commercial LimitedLiverpoolAuthorised Carpenters LimitedLiverpoolAuthorised Coeus Insurance Management LimitedLiverpoolAuthorised Griffiths & ArmourLiverpoolSee the register Jb Brokers LimitedLiverpoolAuthorised John Paton (Insurance Services) LimitedLiverpoolAuthorised

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 Sep Insurance Services

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

64 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
5 years of accounts, charted
All 13 events in its history

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Frequently asked questions about this firm

Is Sep Insurance Services Limited FCA authorised?

Yes, Sep Insurance Services Limited (FRN 806696) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2018 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Sep Insurance Services’ phone number and website?

The FCA register lists the phone number 0151 245 4575 and the website gomigo.co.uk for Sep Insurance Services. If you were given different contact details, use these to check with the firm before going any further.

Is Sep Insurance Services a scam or clone?

Sep Insurance Services 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 Sep Insurance Services?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Sep Insurance Services to the Financial Ombudsman Service, free of charge.

Who owns Sep Insurance Services?

Sep Insurance Services is owned by Partners& Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 21 June 2024. Before that, it was controlled by Mr Philip Joseph Stafford.

Who runs Sep Insurance Services?

Companies House lists 3 directors of Sep Insurance Services: Philip Joseph Stafford, Philip Andrew Barton and Charles Verden Bettinson.

How long has Sep Insurance Services been in business?

The company was formed on 31 March 2018, and has held its current FCA authorisation since July 2018.

What do Sep Insurance Services’ latest accounts show?

Its latest accounts, to 31 March 2025, show profit before tax of £176k (not compared: the previous accounts cover a different length of time) and net assets of £222k (+28% from £174k).

Does Sep Insurance Services use any other names?

It trades as GOMIGO. It has previously used the name SEP Brokers ltd.