Torch UW Limited: FCA regulated?

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 1 year
Protected through the principal
No FCA actions
Active company since 2025
1 thing worth a closer look in the background checks

Responsible principal firm

Pro MGA Solutions Ltd Reference number: 770419 Authorised 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.
Torch UW Limited (FRN 1039643) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Torch UW's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Torch UW, 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.

Website

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

07881 107509
Address

70 Gracechurch Street, London, London, EC3V 0HR, United Kingdom

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

When torchrisk.com first appeared online, and whether it can receive email
What kind of line 07881 107509 is
Whether EC3V 0HR is a shared office: 25 other firms give it

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Pro MGA 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, 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: 16282437 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 February 2025 (1 year old)
Registered office: 70 Gracechurch Street, London, EC3V 0HR, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Raoul Carlos	Director	Dec 1983	27 Feb 2025	4 other companies
Lynne Ashley Macleod	Director	Feb 1977	1 Sep 2026	None
Duncan James Guy Rasor	Director	Feb 1974	1 Sep 2026	1 other company
Laurence Weil	Director	Apr 1976	1 Sep 2026	None

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: 5
closed down: 2
is FCA-registered: 1

In the full report: all 5 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 one on the FCA register

Key dates in its history

Torch UW’s history from the FCA register and Companies House, newest first.

Key events (5) All events (15)

2025

13 November 2025

Raoul Carlos gave up control
Torch Risk Holdings Inc took control (75–100% of shares)

Companies House

26 August 2025

Became an appointed representative

FCA register

27 February 2025

Incorporated at Companies House
Raoul Carlos took control (75–100% of shares)

Companies House

In the full report: all 15 events

All 15 events in its history (5 shown here)
Every director appointment and resignation: 10

Firms connected to Torch UW

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Torch UW

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

In London

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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 Torch UW

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

5 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 15 events in its history

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Frequently asked questions about this firm

Is Torch UW Limited FCA authorised?

Torch UW Limited (FRN 1039643) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Torch UW?

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. Torch UW Limited (FRN 1039643) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Torch UW's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Torch UW, 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.

What is Torch UW’s phone number and website?

The FCA register lists the phone number 07881 107509 and the website torchrisk.com for Torch UW. If you were given different contact details, use these to check with the firm before going any further.

Is Torch UW a scam or clone?

Torch UW 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 Torch UW?

Protection works through Pro MGA Solutions Ltd, the principal firm responsible for Torch UW's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Torch UW?

Torch UW is owned by Torch Risk Holdings Inc, which holds 75–100% of shares and 75–100% of votes, since 13 November 2025. Before that, it was controlled by Mr Raoul Carlos.

Who runs Torch UW?

Companies House lists 4 directors of Torch UW: Raoul Carlos, Lynne Ashley Macleod, Duncan James Guy Rasor and Laurence Weil.

How long has Torch UW been in business?

The company was formed on 27 February 2025.