Traffords Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1981
Accounts filed up to 31 December 2025

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

traffords-insurance.co.uk (opens in a new tab)
Phone number

01525 717185
Address

7 Doolittle Yard, Froghall Road, Ampthill, Bedford, Bedfordshire, MK45 2NW, United Kingdom

In the full report: 3 background checks

When traffords-insurance.co.uk first appeared online, and whether it can receive email
What kind of line 01525 717185 is, and the other firm that gives it
Who else gives the postcode MK45 2NW

FCA permissions and consumer protection

Hold or safeguard your money · Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Sell or arrange insurance FSCS may apply
Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
Lend or arrange credit 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 (10 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Dealing in investments as agent
Debt Administration
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
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: 01602125 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 4 December 1981 (44 years old)
Registered office: 7 Doolittle Yard, Froghall Road, Ampthill, Bedfordshire, MK45 2NW
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jeffrey David Hill	Director	Jan 1966	10 Apr 1992	2 other companies
Gregory Alan Hill	Director	Oct 1972	1 Sep 2000	2 other companies
Kathleen Winifred Hill	Director	Jan 1938	Not published	2 other companies
Kathleen Winifred Hill	Secretary	Not published	Not published	2 other companies

Other companies run by these 3 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: 2
still active: 2
is FCA-registered: 1

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 2 companies these 3 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

£326k

−8% from £354k

Cash at bank

£602k

−6.3% from £642k

Employees (average)

7

Same as 7

Owed within a year

£322k

−5.2% from £340k

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

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 01602125. 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

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

Key events (6) All events (12)

2016

25 April 2016

David Edward Hill became a part-owner (25–50% of shares)
Kathleen Winifred Hill became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

14 January 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1981

4 December 1981

Incorporated at Companies House

Companies House

In the full report: all 12 events

All 12 events in its history (6 shown here)
Every director appointment and resignation: 3

Firms connected to Traffords

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

connected firm: 1
share a director: 1
share its phone number: 1

In the full report: the connected firm, named

How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Traffords

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

In Bedford

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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 Traffords

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

2 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 12 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Traffords Limited FCA authorised?

Yes, Traffords Limited (FRN 304570) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed no limits on its permissions.

What is Traffords’ phone number and website?

The FCA register lists the phone number 01525 717185 and the website traffords-insurance.co.uk for Traffords. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Traffords a scam or clone?

Traffords 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 Traffords?

It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Traffords to the Financial Ombudsman Service, free of charge.

Who owns Traffords?

Companies House lists 2 people with significant control of Traffords: Mr David Edward Hill (25–50% of shares) and Mrs Kathleen Winifred Hill (25–50% of shares).

Who runs Traffords?

Companies House lists 3 directors of Traffords: Jeffrey David Hill, Gregory Alan Hill and Kathleen Winifred Hill.

How long has Traffords been in business?

The company was formed on 4 December 1981, and has held its current FCA authorisation since January 2005.

What do Traffords’ latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £326k (−8% from £354k) and cash at bank of £602k (−6.3% from £642k).