Stephen Lower Insurance Services Ltd
Reference number: 628613
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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.
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Phone number
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Address
145 New Dover Road, Capel-le-Ferne, Folkestone, Kent, CT18 7JR, United Kingdom
In the full report: 3 background checks
- When stephenlower.co.uk first appeared online, and whether it can receive email
- What kind of line 01303 241170 is
- Who else gives the postcode CT18 7JR
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (8 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
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- 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
- 04930449 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 October 2003 (23 years old)
- Registered office
- Matches the FCA register address ✓
- Nature of business
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- Non-life insurance (SIC 65120)
- Non-life reinsurance (SIC 65202)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Patrick Michael Plews | Director | Oct 1961 | 2 May 2007 | 5 other companies |
| Sharon Elizabeth Plews | Director | Aug 1964 | 2 May 2007 | 5 other companies |
| Martin David Kingston | Director | Sep 1967 | 1 Aug 2011 | 1 other company |
| Sharon Elizabeth Plews | Secretary | Not published | 1 Oct 2007 | 5 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
- 7
- closed down
- 2
- is FCA-registered
- 1
In the full report: all 7 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 one on the FCA register
- The 4 companies these 3 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1.32m
−6.7% from £1.42m
Cash at bank
£687k
−30% from £976k
Employees (average)
15
Same as 15
Owed within a year
£1.30m
−25% from £1.74m
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.
Accounts filed at Companies House for company 04930449. 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
Stephen Lower Insurance Services’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Patrick Michael Plews gained significant control
- Patrick Michael Plews no longer has significant control
- Sharon Elizabeth Plews gained significant control
- Sharon Elizabeth Plews no longer has significant control
- Stephen Lower Insurance Services Holdings Ltd took control (75–100% of shares)
Companies House
2014
8 December 2014
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2007
2 May 2007
- Board replaced: its only director left and 2 new directors took over
Companies House
2003
13 October 2003
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (9 shown here)
- Every director appointment and resignation: 7
Firms connected to Stephen Lower Insurance Services
Other FCA-listed firms that share a director, phone number or address with Stephen Lower Insurance Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Stephen Lower Insurance Services
Other firms of the same type (lender), nearest first.
In the Canterbury (CT) postcode area
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 Stephen Lower Insurance Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 18 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk