Aldium Insurance Services Ltd

Reference number: 306687

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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 aldium.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 336 5881 is
  • Who else gives the postcode CH64 9AD
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Other names (6)

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

  • Accuro Underwriting Trading name
  • Aldium4Care Trading name
  • Aldium4Fleets Trading name
  • Aldium4Pubs Trading name
  • Aldium Independent Insurance Services Former name
  • FlexiCourier Former trading name

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 (12 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 Adjusting
  • Debt Administration
  • Debt-counselling
  • 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
03278618
Company status
Active
Company type
Private limited company
Incorporated
15 November 1996 (29 years old)
Registered office
Viscount House, High Street Neston, South Wirral, CH64 9AD
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Kevin John Pugh Director Apr 1956 9 Jul 2002 5 other companies
Jonathan Andrew Evans Director Sep 1993 18 Jul 2024 1 other company
Jonathan Evans Secretary Not published 23 Apr 2022 –

Other companies run by these 2 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
5
still active
5
is FCA-registered
1

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£324k

+51% from £214k

Cash at bank

£154k

−54% from £332k

Owed within a year

£200k

−63% from £546k

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 03278618. 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

Aldium Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (27)

2016

1 July 2016

  • Stephen Kevin John Pugh took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

25 January 2005

  • Changed its registered name from "Aldium Independent Insurance Services"

FCA register

14 January 2005

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

FCA register

1996

15 November 1996

  • Incorporated at Companies House

Companies House

In the full report: all 27 events

  • All 27 events in its history (6 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Aldium Insurance Services

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Aldium Insurance Services

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

In the Chester (CH) postcode area

MBNA LimitedChesterAuthorisedChristopher Daniel PrattDeesideAuthorisedCredit Solutions International LimitedChesterAuthorisedDavid John PrichardMoldAuthorisedDeeside Insurance Brokers LimitedDeesideAuthorisedFJM (NW) LimitedChesterAuthorised

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 Aldium Insurance Services

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 27 events in its history

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Frequently asked questions about this firm

Is Aldium Insurance Services Ltd FCA authorised?
Yes, Aldium Insurance Services Ltd (FRN 306687) 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 Aldium Insurance Services’ phone number and website?
The FCA register lists the phone number 0151 336 5881 and the website aldium.co.uk for Aldium Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is Aldium Insurance Services a scam or clone?
Aldium Insurance Services 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 Aldium Insurance Services?
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 Aldium Insurance Services to the Financial Ombudsman Service, free of charge.
Who owns Aldium Insurance Services?
Companies House lists one person with significant control of Aldium Insurance Services: Mr Stephen Kevin John Pugh (75–100% of shares).
Who runs Aldium Insurance Services?
Companies House lists 2 directors of Aldium Insurance Services: Stephen Kevin John Pugh and Jonathan Andrew Evans.
How long has Aldium Insurance Services been in business?
The company was formed on 15 November 1996, and has held its current FCA authorisation since January 2005.
What do Aldium Insurance Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £324k (+51% from £214k) and cash at bank of £154k (−54% from £332k).
Does Aldium Insurance Services use any other names?
It trades as Accuro Underwriting, Aldium4Care, Aldium4Fleets and Aldium4Pubs. It has previously used 2 other names: Aldium Independent Insurance Services and FlexiCourier.

Sources and links

The full report on Aldium Insurance Services Ltd

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