Accter Ltd

Reference number: 1045201

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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.

Responsible principal firm

Ingard Financial Limited Reference number: 450731 Authorised 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.
  • Accter Ltd (FRN 1045201) is an AR of Ingard Financial Limited (FRN 450731). When you use Accter's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Accter, 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.

  • No website on the FCA register

  • Phone number

    07932 591089

  • Address

    6 Matlock Crescent, Cheam, Sutton, Sutton, SM3 9SP, United Kingdom

In the full report: 2 background checks

  • What kind of line 07932 591089 is
  • Who else gives the postcode SM3 9SP
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Other names (1)

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

  • Accter Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial 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 name
ACCTER LIMITED
Company number
11262467
Company status
Active
Company type
Private limited company
Incorporated
19 March 2018 (8 years old)
Registered office
6 Matlock Crescent, Cheam, SM3 9SP, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)
  • Buying and selling of own real estate (SIC 68100)
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Vijayaratnam Piradeepan Director May 1977 10 Mar 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£4,776

+105% from £2,330

Cash at bank

£3,212

−14% from £3,717

Employees (average)

1

Same as 1

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11262467. 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

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

Key events (6) All events (17)

2025

28 November 2025

  • Changed its registered name from "Accter Limited"
  • Became an appointed representative

FCA register

2024

12 November 2024

  • Vijayaratnam Piradeepan took control (75–100% of shares)

Companies House

12 May 2024

  • Vijayaratnam Piradeepan no longer has significant control

Companies House

2018

19 March 2018

  • Incorporated at Companies House
  • Vijayaratnam Piradeepan gained significant control

Companies House

In the full report: all 17 events

  • All 17 events in its history (6 shown here)
  • Every director appointment and resignation: 11
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Firms like Accter

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

In Sutton

Cheam Financial Planning LtdSuttonAppointed representativeThe Simple Group LtdSuttonAppointed representativeAnil TannaSuttonAuthorisedBarkdene LimitedSuttonAuthorisedCoops Brokers LimitedSuttonAuthorisedHealth Partners Europe Ltd.SuttonAuthorised

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 Accter

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Accter Ltd FCA authorised?
Accter Ltd (FRN 1045201) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Accter?
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. Accter Ltd (FRN 1045201) is an AR of Ingard Financial Limited (FRN 450731). When you use Accter's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Accter, 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.
What is Accter’s phone number?
The FCA register lists the phone number 07932 591089 for Accter. If you were given different contact details, use these to check with the firm before going any further.
Is Accter a scam or clone?
Accter 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 Accter?
Protection works through Ingard Financial Limited, the principal firm responsible for Accter's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Accter?
Companies House lists one person with significant control of Accter: Mr Vijayaratnam Piradeepan (75–100% of shares).
Who runs Accter?
Companies House lists one director of Accter: Vijayaratnam Piradeepan.
How long has Accter been in business?
The company was formed on 19 March 2018.
What do Accter’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £4,776 (+105% from £2,330) and cash at bank of £3,212 (−14% from £3,717).
Does Accter use any other names?
It has previously used the name Accter Limited.

Sources and links

The full report on Accter Ltd

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