Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 6 years
- Protected through the principal
- No FCA actions
- Active company since 2000
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £5.99m more than it owned
Responsible principal firm
Just Insurance Agents Limited Reference number: 610022 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Sunshine Cruise Holidays Limited (FRN 935949) introduces customers to Just Insurance Agents Limited (FRN 610022). Any regulated advice or arranging is done by the principal, not Sunshine Cruise Holidays.
- Example: if Sunshine Cruise Holidays refers you to a financial adviser, the advice should come from the principal firm, not from Sunshine Cruise Holidays itself.
- 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.
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No website on the FCA register
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Phone number
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Address
F1a The Lowry Designer Outlet, The Quays, Salford, Greater Manchester, M50 3AH, United Kingdom
In the full report: 2 background checks
- What kind of line 07741 260383 is
- Who else gives the postcode M50 3AH
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Just Insurance Agents 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, 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
- 03931005 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 February 2000 (26 years old)
- Registered office
- 17 Hanover Square Office 4.09, 17 Hanover Square, London, Greater London, W1S 1BN, England
- Nature of business
-
- Travel agency activities (SIC 79110)
- Tour operator activities (SIC 79120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Bret David Kelly | Director | Jul 1975 | 17 Oct 2022 | None |
| Ashkan Ghasemi | Director | Sep 1983 | 22 Oct 2022 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 29 people who have been directors, with their dates
Filed accounts and finances
Net assets
−£5.99m
Down £957k from −£5.04m
Cash at bank
£1.86m
+4.5% from £1.78m
Employees (average)
60
−18% from 73
Owed within a year
£36.4m
+13% from £32.2m
Net assets are negative: on its last balance sheet the company owed £5.99m more than it owned.
Assets and liabilities
In the full report: all 7 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 03931005. 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
Sunshine Cruise Holidays’s history from the FCA register and Companies House, newest first.
2022
31 May 2022
- Board replaced: its only director left and a new director took over
Companies House
2020
9 October 2020
- Became an introducer appointed representative
FCA register
2018
16 May 2018
- Dreamlines Gmbh gave up control
- Dreamlines Gmbh took control (75–100% of shares)
- Rcl Investments Ltd. stopped being a part-owner
- Travel 1st Limited stopped being the majority owner
Companies House
2016
6 April 2016
- Rcl Investments Ltd. became a part-owner (25–50% of shares)
- Travel 1st Limited became the majority owner (50–75% of shares)
Companies House
2004
4 March 2004
- Board replaced: its only director left and 3 new directors took over
Companies House
2000
22 February 2000
- Incorporated at Companies House
Companies House
In the full report: all 64 events
- All 64 events in its history (10 shown here)
- Every director appointment and resignation: 54
Firms like Sunshine Cruise Holidays
Other firms of the same type (insurance broker), nearest first.
In Salford
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 Sunshine Cruise Holidays
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
- 7 years of accounts, charted
- All 64 events in its history
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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
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk