The Regal Mutt Limited

Reference number: 978674

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

SEOPA LTD Reference number: 313860 Authorised 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.
  • The Regal Mutt Limited (FRN 978674) introduces customers to SEOPA LTD (FRN 313860). Any regulated advice or arranging is done by the principal, not The Regal Mutt.
  • Example: if The Regal Mutt refers you to a financial adviser, the advice should come from the principal firm, not from The Regal Mutt 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When muttcover.com first appeared online, and whether it can receive email
  • What kind of line 029 2053 0301 is
  • Who else gives the postcode CF64 5TH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Seopa 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, 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
08487234
Company status
Active
Company type
Private limited company
Incorporated
12 April 2013 (13 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Retail sale via mail order houses or via Internet (SIC 47910)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard David Bowen Director Dec 1973 12 Apr 2013 2 other companies
Clair Louise Williams Director May 1972 12 Apr 2013 1 other company

Other companies run by these 2 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
3
closed down
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£377k

+92% from £197k

Employees (average)

3

Same as 3

Owed within a year

£91.1k

+230% from £27.6k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 08487234. 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 Regal Mutt’s history from the FCA register and Companies House, newest first.

2022

7 July 2022

  • Became an introducer appointed representative

FCA register

2021

19 January 2021

  • Clair Louise Williams became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Richard David Bowen became a part-owner (25–50% of shares)

Companies House

2013

12 April 2013

  • Incorporated at Companies House
  • Clair Louise Williams appointed as a director
  • Richard David Bowen appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like The Regal Mutt

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

In Penarth

Linc Telecom LimitedPenarthAuthorised

In the Cardiff (CF) postcode area

Aegis Vaults LtdCardiffAppointed representativeAlpha Kitchens (South Wales) LimitedPontypriddAppointed representativeBush Healthcare LimitedAberdareAppointed representativeE & E Carpets LimitedCardiffAppointed representativePendragon Home Improvements LtdCardiffAppointed 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 Regal Mutt

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is The Regal Mutt Limited FCA authorised?
The Regal Mutt Limited (FRN 978674) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for The Regal Mutt?
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. The Regal Mutt Limited (FRN 978674) introduces customers to SEOPA LTD (FRN 313860). Any regulated advice or arranging is done by the principal, not The Regal Mutt. Example: if The Regal Mutt refers you to a financial adviser, the advice should come from the principal firm, not from The Regal Mutt 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.
What is The Regal Mutt’s phone number and website?
The FCA register lists the phone number 029 2053 0301 and the website muttcover.com for The Regal Mutt. If you were given different contact details, use these to check with the firm before going any further.
Is The Regal Mutt a scam or clone?
The Regal Mutt 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 Regal Mutt?
Protection works through Seopa Ltd, the principal firm responsible for The Regal Mutt's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Regal Mutt?
Companies House lists 2 people with significant control of The Regal Mutt: Ms Clair Louise Williams (25–50% of shares) and Mr Richard David Bowen (25–50% of shares).
Who runs The Regal Mutt?
Companies House lists 2 directors of The Regal Mutt: Richard David Bowen and Clair Louise Williams.
How long has The Regal Mutt been in business?
The company was formed on 12 April 2013.
What do The Regal Mutt’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £377k (+92% from £197k).

Sources and links

The full report on The Regal Mutt Limited

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