Umbrella-Company Limited

Reference number: 743437

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • UMBRELLA-COMPANY LIMITED (FRN 743437) introduces customers to Interactive Investor Services Limited (FRN 141282). Any regulated advice or arranging is done by the principal, not UMBRELLA-COMPANY.
  • Example: if UMBRELLA-COMPANY refers you to a financial adviser, the advice should come from the principal firm, not from UMBRELLA-COMPANY itself.
  • 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.

In the full report: 3 background checks

  • When umbrella.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 121 6513 is
  • Who else gives the postcode SK9 1DP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Interactive Investor Services Limited, 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 status
Active
Company type
Private limited company
Incorporated
22 July 2009 (17 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Miles David Grady Director Dec 1967 22 Jul 2009 10 other companies
Nicholas Holmes Director Jan 1970 22 Jul 2009 9 other companies
Jonathon Biddle Director Nov 1971 16 Aug 2013 None
Dexter Dyer Director Apr 1985 3 Mar 2015 None
Micaela Arnfield Director Sep 1988 22 Sep 2025 1 other company

Other companies run by these 5 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
12
closed down
9
run together
8

In the full report: all 12 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 8 companies these 5 directors run together
  • All 15 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsAudited

Turnover

£457.9m

−3.3% from £473.5m

Profit before tax

£2.68m

−19% from £3.29m

Net assets

£227k

−79% from £1.06m

Cash at bank

£11.6m

−24% from £15.4m

Turnover and profit

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • Both charts, 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 06969639. 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

Umbrella-Company’s history from the FCA register and Companies House, newest first.

2019

22 January 2019

  • Cloud Umbrella Limited took control (75–100% of shares)

Companies House

2016

7 April 2016

  • Became an introducer appointed representative

FCA register

2009

22 July 2009

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (3 shown here)
  • Every director appointment and resignation: 25
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Firms connected to Umbrella-Company

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Umbrella-Company

Other firms of the same type (investment or fund manager), nearest first.

In the Stockport (SK) postcode area

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 Umbrella-Company

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 28 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Umbrella-Company Limited FCA authorised?
Umbrella-Company Limited (FRN 743437) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Umbrella-Company?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Umbrella-Company Limited (FRN 743437) introduces customers to Interactive Investor Services Limited (FRN 141282). Any regulated advice or arranging is done by the principal, not Umbrella-Company. Example: if Umbrella-Company refers you to a financial adviser, the advice should come from the principal firm, not from Umbrella-Company itself. 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 Umbrella-Company’s phone number and website?
The FCA register lists the phone number 0800 121 6513 and the website umbrella.co.uk for Umbrella-Company. If you were given different contact details, use these to check with the firm before going any further.
Is Umbrella-Company a scam or clone?
Umbrella-Company 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 Umbrella-Company?
Protection works through Interactive Investor Services Limited, the principal firm responsible for Umbrella-Company's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Umbrella-Company?
Umbrella-Company is owned by Cloud Umbrella Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 22 January 2019.
Who runs Umbrella-Company?
Companies House lists 5 directors of Umbrella-Company: Miles David Grady, Nicholas Holmes, Jonathon Biddle, Dexter Dyer and Micaela Arnfield.
How long has Umbrella-Company been in business?
The company was formed on 22 July 2009.
What do Umbrella-Company’s latest accounts show?
Its latest accounts, to 30 June 2025, show turnover of £457.9m (−3.3% from £473.5m) and profit before tax of £2.68m (−19% from £3.29m).

Sources and links

The full report on Umbrella-Company Limited

£19.99 · Instant PDF download

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