SFCR 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 7 years
Protected through the principal
No FCA actions
Active company since 2018
Accounts filed up to 31 December 2025
On its latest accounts it owed £213k more than it owned

Responsible principal firm

Riverside Underwriting Limited Reference number: 466942 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.
SFCR Limited (FRN 836812) is an AR of Riverside Underwriting Limited (FRN 466942). When you use SFCR's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from SFCR, 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

stressfreecarrental.com (opens in a new tab)
Phone number

07595 023310
Address

The Exchange, 5 Bank Street, Bury, Bury, BL9 0DN, United Kingdom

In the full report: 3 background checks

When stressfreecarrental.com first appeared online, and whether it can receive email
What kind of line 07595 023310 is
Who else gives the postcode BL9 0DN

Other names (1)

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

Clarity Travel Services Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Riverside Underwriting 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: 11445126 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 July 2018 (8 years old)
Registered office: The Exchange, 5 Bank Street, Bury, Greater Manchester, BL9 0DN, England
Nature of business: Business and domestic software development (SIC 62012)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Charnock	Director	Jul 1975	3 Jul 2018	2 other companies
James Scott Jennings	Director	Dec 1957	10 Jun 2019	1 other company
Tom Knopek	Director	Sep 1956	10 Jun 2019	1 other company
David Mathews	Director	Sep 1981	10 Jun 2019	None
Rory Powers	Director	Aug 1977	10 Jun 2019	None
Rachael Bagley	Director	Apr 1987	1 Dec 2021	None

Other companies run by these 6 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: 4
closed down: 1
is FCA-registered: 1

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

−£213k

Down £113k from −£99.8k

Cash at bank

£1.16m

+255% from £327k

Owed within a year

£2.38m

+98% from £1.20m

Net assets are negative: on its last balance sheet the company owed £213k more than it owned.

Assets and liabilities

In the full report: all 8 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 11445126. 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

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

Key events (4) All events (10)

2026

23 March 2026

Changed its registered name from "Clarity Travel Services Limited"

FCA register

2019

18 March 2019

Became an appointed representative

FCA register

2018

3 July 2018

Incorporated at Companies House
John Charnock became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

All 10 events in its history (4 shown here)
Every director appointment and resignation: 6

Firms connected to Sfcr

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

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Sfcr

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 Regency Risk Solutions 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 Sfcr

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

4 other companies its directors have run, named
3 background checks on its contact details
8 years of accounts, charted
All 10 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is SFCR Limited FCA authorised?

SFCR Limited (FRN 836812) 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 Sfcr?

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. SFCR Limited (FRN 836812) is an AR of Riverside Underwriting Limited (FRN 466942). When you use Sfcr's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sfcr, 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 Sfcr’s phone number and website?

The FCA register lists the phone number 07595 023310 and the website stressfreecarrental.com for Sfcr. If you were given different contact details, use these to check with the firm before going any further.

Is Sfcr a scam or clone?

Sfcr 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 Sfcr?

Protection works through Riverside Underwriting Limited, the principal firm responsible for Sfcr's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Sfcr?

Companies House lists one person with significant control of Sfcr: Mr John Charnock (25–50% of shares).

Who runs Sfcr?

Companies House lists 6 directors of Sfcr: John Charnock, James Scott Jennings, Tom Knopek, David Mathews, Rory Powers and Rachael Bagley.

How long has Sfcr been in business?

The company was formed on 3 July 2018.

What do Sfcr’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£213k (down £113k from −£99.8k) and cash at bank of £1.16m (+255% from £327k).

Does Sfcr use any other names?

It has previously used the name Clarity Travel Services Limited.