The Risk Factor Limited
Reference number: 306929
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
55 Grove Road, 55-57 Grove Road, Harrogate, North Yorkshire, HG1 5EP, United Kingdom
In the full report: 3 background checks
- When theriskfactor.com first appeared online, and whether it can receive email
- What kind of line 07702 870998 is
- Who else gives the postcode HG1 5EP
Other names (6)
If you were contacted under any of these names, it is this firm.
- PAL Trading name: A name it trades under now.
- PAL Protect Trading name: A name it trades under now.
- Personal Accident Life Trading name: A name it trades under now.
- PSPS Risk Consultancy Trading name: A name it trades under now.
- Risk Factor Trading name: A name it trades under now.
- TRF Trading name: A name it trades under now.
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.
- 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 (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
- 03030912 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 March 1995 (31 years old)
- Registered office
- Elmwood House Ghyll Royd, Guiseley, Leeds, West Yorkshire, LS20 9LT, England
- Nature of business
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- Non-life insurance (SIC 65120)
- Other activities auxiliary to insurance and pension funding (SIC 66290)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Angela Jayne Rhiannon Petty | Director | Oct 1975 | 1 Jul 2016 | 3 other companies |
| Kathren Wright | Director | Feb 1972 | 12 Jan 2026 | 79 other companies |
| Lee Tetley | Director | Jan 1976 | 20 May 2026 | 3 other companies |
| Charles Jake Christian Fox | Director | Sep 1977 | 12 Jun 2026 | 26 other companies |
Other companies run by these 4 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
- 90
- closed down
- 2
- are FCA-registered
- 36
In the full report: all 90 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 36 on the FCA register, including one no longer authorised
- The 20 companies these 4 directors run together
- All 12 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£933k
+42% from £658k
Cash at bank
£553k
+37% from £405k
Employees (average)
15
+50% from 10
Owed within a year
£333k
+45% from £230k
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 03030912. 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 Risk Factor’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Ellis Bates Holdings Ltd. took control (75–100% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2011
13 October 2011
- Board replaced: its only director left and 3 new directors took over
Companies House
2005
14 January 2005
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
1995
8 March 1995
- Incorporated at Companies House
Companies House
In the full report: all 33 events
- All 33 events in its history (6 shown here)
- Every director appointment and resignation: 18
Firms connected to The Risk Factor
Other FCA-listed firms that share a director, phone number or address with The Risk Factor. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 8
- share a director
- 8
- share its postcode
- 1
In the full report: all 8 connected firms, named
- How each is linked: shared directors (8), the same postcode (1)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like The Risk Factor
Other firms of the same type (insurance broker), nearest first.
In Harrogate
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 Risk Factor
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 90 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 33 events in its history
- 8 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