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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 30 September 2025
Responsible principal firm
MOMENTUM BROKER SOLUTIONS LTD Reference number: 526435 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.
- Stow Insurance Brokers Ltd (FRN 1003544) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use Stow Insurance Brokers's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Stow Insurance Brokers, 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
Also given by 3 firms that are no longer authorised. Check you are dealing with the firm on this page.
-
Address
5 Pine House, The Square, Stow on the Wold, Cheltenham, Gloucestershire, GL54 1AF, United Kingdom
In the full report: 2 background checks
- What kind of line 0116 238 8880 is, and the 101 other firms that give it
- Who else gives the postcode GL54 1AF
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Momentum Broker Solutions Ltd, 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, freeYou 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
- 15143495 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 September 2023 (3 years old)
- Registered office
- No 5 Pine House, The Square, Stow On The Wold, Gloucsetershire, GL54 1AF, United Kingdom
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Orbart | Director | Oct 1971 | 18 Sep 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£1
Same as £1
These accounts were filed as dormant: the company reported no significant trading in the period.
Net assets
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 15143495. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Stow Insurance Brokers’s history from the FCA register and Companies House, newest first.
2023
16 November 2023
- Became an appointed representative
FCA register
18 September 2023
- Incorporated at Companies House
- Paul Orbart took control (75–100% of shares)
- Paul Orbart appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Stow Insurance Brokers
Other FCA-listed firms that share a director, phone number or address with Stow Insurance Brokers. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share its phone number
- 12
In the full report: all 12 connected firms, named
- How each is linked: the same phone number (12)
- Who links each one: the named directors, with dates
Firms like Stow Insurance Brokers
Other firms of the same type (insurance broker), nearest first.
In Cheltenham
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 Stow Insurance Brokers
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 4 events in its history
- 12 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Stow Insurance Brokers Ltd FCA authorised?
What does appointed representative mean for Stow Insurance Brokers?
What is Stow Insurance Brokers’ phone number?
Is Stow Insurance Brokers a scam or clone?
Is my money safe with Stow Insurance Brokers?
Who owns Stow Insurance Brokers?
Who runs Stow Insurance Brokers?
How long has Stow Insurance Brokers been in business?
What do Stow Insurance Brokers’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk