Total Refreshment Solutions Limited

Reference number: 839525

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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.

In the full report: 3 background checks

  • When arumba-coffee.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 110 1101 is
  • Who else gives the postcode FK2 7ZS
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Other names (3)

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

  • Arumba Coffee Trading name
  • Guzzl Water Trading name
  • Alba Water Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (3 permissions)
  • Credit Broking
  • Entering into Regulated Consumer Hire Agreements as owner
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
SC179175
Company status
Active
Company type
Private limited company
Incorporated
29 September 1997 (29 years old)
Registered office
Unit 4 Lammermoor Avenue, Abbotsford Business Park, Falkirk, FK2 7ZS, Scotland
Nature of business
  • Repair of machinery (SIC 33120)
  • Wholesale of coffee, tea, cocoa and spices (SIC 46370)
  • Wholesale of other machinery and equipment (SIC 46690)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin James Mccosh Director May 1979 28 Aug 1998 7 other companies
Benjamin James Mccosh Secretary Not published 5 Jan 2004 7 other companies

Other companies run by its director

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
3
still active
4

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

−£415k

Down £7,648 from −£407k

Cash at bank

£304k

−23% from £397k

Owed within a year

£142k

−45% from £257k

Net assets are negative: on its last balance sheet the company owed £415k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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.

Accounts filed at Companies House for company SC179175. 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

Total Refreshment Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (23)

2019

17 May 2019

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

6 April 2016

  • Benjamin James McCosh took control (75–100% of shares)

Companies House

1997

29 September 1997

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (4 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Total Refreshment Solutions

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Total Refreshment Solutions

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

In Falkirk

Altruistic (Scotland) LimitedFalkirkAuthorisedLinn RooneyFalkirkAuthorisedSovereignFalkirkAuthorisedForth Carz Stirling Ltd.FalkirkAuthorisedFalkirk Football and Athletic Club LtdFalkirkAppointed representativeFalkirk V.e. LimitedFalkirkAppointed 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 Total Refreshment Solutions

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 23 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Total Refreshment Solutions Limited FCA authorised?
Yes, Total Refreshment Solutions Limited (FRN 839525) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2019 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Total Refreshment Solutions’ phone number and website?
The FCA register lists the phone number 0330 110 1101 and the website arumba-coffee.co.uk for Total Refreshment Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Total Refreshment Solutions a scam or clone?
Total Refreshment Solutions 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 Total Refreshment Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Total Refreshment Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Total Refreshment Solutions to the Financial Ombudsman Service, free of charge.
Who owns Total Refreshment Solutions?
Companies House lists one person with significant control of Total Refreshment Solutions: Mr Benjamin James McCosh (75–100% of shares).
Who runs Total Refreshment Solutions?
Companies House lists one director of Total Refreshment Solutions: Benjamin James McCosh.
How long has Total Refreshment Solutions been in business?
The company was formed on 29 September 1997, and has held its current FCA authorisation since May 2019.
What do Total Refreshment Solutions’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£415k (down £7,648 from −£407k) and cash at bank of £304k (−23% from £397k).
Does Total Refreshment Solutions use any other names?
It trades as Arumba Coffee and Guzzl Water. It has previously used the name Alba Water.

Sources and links

The full report on Total Refreshment Solutions Limited

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