W. Denis Credit Risks Limited

Reference number: 308564

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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 wdenis.co.uk first appeared online, and whether it can receive email
  • What kind of line 0113 243 9812 is, and the other firm that gives it
  • Who else gives the postcode LS1 2LE
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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.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • May hold/control client money if rebated commission
    The general requirement not to hold or control CLIENT MONEY does not apply if the CLIENT MONEY arises from an agreement under which commission is rebated to the client.

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
04019077
Company status
Active
Company type
Private limited company
Incorporated
21 June 2000 (26 years old)
Registered office
8 St. Paul's Street, Leeds, LS1 2LE, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
John Cockshutt Director Jun 1961 23 Mar 2010 3 other companies
Simon Rupert Thew Director Sep 1966 9 Nov 2017 6 other companies
Paul Johnson Director Jan 1971 7 Mar 2018 4 other companies
Michael William Oates Director Nov 1978 6 Jun 2022 6 other companies
Michael William Oates Secretary Not published 6 Jun 2022 –

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
11
closed down
3
are FCA-registered
3

In the full report: all 11 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 3 on the FCA register, including 2 no longer authorised
  • The 7 companies these 4 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsAudited

Profit before tax

£40.5k

From a loss of £49.3k

Net assets

£331k

−16% from £392k

Cash at bank

£152k

+67% from £91.3k

Owed within a year

£647k

−15% from £764k

The accounts for the year to 30 June 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £1.71m, for the year to 30 June 2023.

Profit before tax

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 04019077. 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

W. Denis Credit Risks’s history from the FCA register and Companies House, newest first.

Key events (6) All events (24)

2016

6 April 2016

  • W Denis (Holdings) PLC took control (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

23 August 2012

  • FCA imposed a requirement (May hold/control client money if rebated commission)

FCA register

2005

14 January 2005

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

FCA register

2000

21 June 2000

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (6 shown here)
  • Every director appointment and resignation: 16
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Firms connected to W. Denis Credit Risks

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

connected firms
4
no longer authorised
1
share a director
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like W. Denis Credit Risks

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

In Leeds

Lloyds Bank Insurance Services LimitedLeedsAuthorisedEllio Cx LimitedLeedsAuthorisedEddisons Insurance Services LimitedLeedsAuthorisedALS Albion LimitedLeedsAuthorisedBartlett & Company LimitedLeedsAuthorisedBawtry Commercial Brokers LimitedLeedsAuthorised

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 W. Denis Credit Risks

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 24 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is W. Denis Credit Risks Limited FCA authorised?
Yes, W. Denis Credit Risks Limited (FRN 308564) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is W. Denis Credit Risks’ phone number and website?
The FCA register lists the phone number 0113 243 9812 and the website wdenis.co.uk for W. Denis Credit Risks. 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 W. Denis Credit Risks a scam or clone?
W. Denis Credit Risks 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 W. Denis Credit Risks?
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 W. Denis Credit Risks to the Financial Ombudsman Service, free of charge.
Who owns W. Denis Credit Risks?
W. Denis Credit Risks is owned by W Denis (Holdings) PLC, which holds 50–75% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs W. Denis Credit Risks?
Companies House lists 4 directors of W. Denis Credit Risks: John Cockshutt, Simon Rupert Thew, Paul Johnson and Michael William Oates.
How long has W. Denis Credit Risks been in business?
The company was formed on 21 June 2000, and has held its current FCA authorisation since January 2005.
What do W. Denis Credit Risks’ latest accounts show?
Its latest accounts, to 30 June 2025, show profit before tax of £40.5k (from a loss of £49.3k) and net assets of £331k (−16% from £392k).

Sources and links

The full report on W. Denis Credit Risks Limited

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