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 2024
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £328k more than it owned
Responsible principal firm
Pro MGA Solutions Ltd Reference number: 770419 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.
- Toremis Specialty Limited (FRN 1022296) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Toremis Specialty's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Toremis Specialty, 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.
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No website on the FCA register
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Phone number
-
Address
C/O Brabners Llp,, 100 Barbirolli Square, Manchester, M2 3AB, United Kingdom
In the full report: 2 background checks
- What kind of line 020 3773 9993 is, and the other firm that gives it
- Who else gives the postcode M2 3AB
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- 16005651 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 October 2024 (2 years old)
- Registered office
- C/O Brabners Llp, 100 Barbirolli Square, Manchester, M2 3AB, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Philip Holden | Director | Oct 1965 | 8 Oct 2024 | 7 other companies |
| Nathan Hull | Director | Aug 1982 | 8 Oct 2024 | 2 other companies |
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
- 7
- closed down
- 1
- run together
- 2
In the full report: all 7 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
- The 2 companies these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£328k
No earlier figure to compare
Cash at bank
£1.44m
No earlier figure to compare
Employees (average)
6
No earlier figure to compare
Owed within a year
£2.18m
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £328k more than it owned.
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 16005651. 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
Toremis Specialty’s history from the FCA register and Companies House, newest first.
2024
12 December 2024
- Became an appointed representative
FCA register
8 October 2024
- Incorporated at Companies House
- Toremis Mga Limited took control (75–100% of shares)
Companies House
In the full report: all 8 events
- All 8 events in its history (3 shown here)
- Every director appointment and resignation: 4
Firms connected to Toremis Specialty
Other FCA-listed firms that share a director, phone number or address with Toremis Specialty. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its phone number
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Toremis Specialty
Other firms of the same type (insurance broker), nearest first.
In Manchester
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 Toremis Specialty
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 2 background checks on its contact details
- All 8 events in its history
- 1 connected firm, 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
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk