The Nfrn Mutual Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1999
Accounts filed up to 31 December 2025

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

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

07891 506113
Address

Barrington House, Heyes Lane, Alderley Edge, Cheshire, SK9 7LA, United Kingdom

In the full report: 3 background checks

When theretailmutual.com first appeared online, and whether it can receive email
What kind of line 07891 506113 is, and the other firm that gives it
Who else gives the postcode SK9 7LA

Other names (1)

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

The Retail Mutual Trading name: A name it trades under now.

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.
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 (5 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
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: 03810528 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 15 July 1999 (27 years old)
Registered office: Barrington House, Heyes Lane, Alderley Edge, Cheshire, SK9 7LA, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Peter Derek Wagg	Director	Dec 1950	3 Aug 1999	3 other companies
Colin Delwyn Finch	Director	Aug 1957	8 Jan 2001	None
Janet Wagg	Director	Oct 1968	8 Jan 2001	1 other company
Samuel John Whiteside	Director	Sep 1947	10 Apr 2006	1 other company
Adrian Charles Watts	Director	Nov 1957	10 Apr 2006	None
Graeme George Thurgood	Director	Apr 1983	10 Mar 2026	8 other companies

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: 12
closed down: 2
went insolvent: 1

In the full report: all 12 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
The one that went into liquidation or administration
The 4 on the FCA register, including one no longer authorised
The 1 company these 6 directors run together
All 18 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£622k

+41% from £443k

Cash at bank

£920k

+68% from £547k

Employees (average)

0

Same as 0

Owed within a year

£262k

+38% from £190k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 03810528. 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

The Nfrn Mutual’s history from the FCA register and Companies House, newest first.

Key events (4) All events (37)

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

14 January 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1999

15 July 1999

Incorporated at Companies House

Companies House

In the full report: all 37 events

All 37 events in its history (4 shown here)
Every director appointment and resignation: 30

Firms connected to The Nfrn Mutual

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

connected firms: 6
share a director: 3
share its phone number: 1

In the full report: all 6 connected firms, named

How each is linked: shared directors (3), the same phone number (1), the same postcode (4)
Who links each one: the named directors, with dates

Firms like The Nfrn Mutual

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

In Alderley Edge

Inshare Insurance Services LimitedAlderley EdgeAuthorised Stonefort Insurance S.A.Alderley EdgeAuthorised Triple G Brokers LimitedAlderley EdgeAppointed 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 The Nfrn Mutual

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

12 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 37 events in its history
6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Nfrn Mutual Limited FCA authorised?

Yes, The Nfrn Mutual Limited (FRN 312391) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is The Nfrn Mutual’s phone number and website?

The FCA register lists the phone number 07891 506113 and the website theretailmutual.com for The Nfrn Mutual. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is The Nfrn Mutual a scam or clone?

The Nfrn Mutual 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 The Nfrn Mutual?

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 The Nfrn Mutual to the Financial Ombudsman Service, free of charge.

Who runs The Nfrn Mutual?

Companies House lists 6 directors of The Nfrn Mutual: Peter Derek Wagg, Colin Delwyn Finch, Janet Wagg, Samuel John Whiteside, Adrian Charles Watts and Graeme George Thurgood.

How long has The Nfrn Mutual been in business?

The company was formed on 15 July 1999, and has held its current FCA authorisation since January 2005.

What do The Nfrn Mutual’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £622k (+41% from £443k) and cash at bank of £920k (+68% from £547k).

Does The Nfrn Mutual use any other names?

It trades as The Retail Mutual.