Arma Karma Limited

Reference number: 925873

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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

Innovative Risk Labs Ltd Reference number: 609155 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.
  • Arma Karma Limited (FRN 925873) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Arma Karma's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Arma Karma, 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.

In the full report: 3 background checks

  • When armakarma.insure first appeared online, and whether it can receive email
  • What kind of line 07772 202303 is
  • Who else gives the postcode CO4 3ZQ
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Other names (1)

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

  • Save the Date Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Innovative Risk Labs Ltd, 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
12002692
Company status
Active
Company type
Private limited company
Incorporated
17 May 2019 (7 years old)
Registered office
Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, CO4 3ZQ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin Thomas Smyth Director Apr 1992 17 May 2019 None
Ryan Mark Gill Director Feb 1983 25 Nov 2024 26 other companies
Kerry Louise Mcmahon-White Director Apr 1979 20 Aug 2026 3 other companies
Philip James Welch Director Mar 1990 20 Aug 2026 13 other companies

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
27
closed down
12
are FCA-registered
6

In the full report: all 27 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 6 on the FCA register
  • The 12 companies these 4 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2023Micro-entity accountsNot audited

Net assets

−£256k

Up £514k from −£769k

Employees (average)

6

−14% from 7

Owed within a year

£281k

−61% from £726k

Its next accounts are overdue at Companies House.

Net assets are negative: on its last balance sheet the company owed £256k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 12002692. 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

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

Key events (7) All events (23)

2024

25 October 2024

  • Benjamin Thomas Smyth stopped being a part-owner
  • Bspoke Insurance Group Ltd took control (75–100% of shares)
  • Christian Frogner no longer has significant control

Companies House

2020

8 May 2020

  • Became an appointed representative

FCA register

2019

16 August 2019

  • Christian Frogner gained significant control

Companies House

17 May 2019

  • Incorporated at Companies House
  • Benjamin Thomas Smyth became a part-owner (25–50% of shares)

Companies House

In the full report: all 23 events

  • All 23 events in its history (7 shown here)
  • Every director appointment and resignation: 14
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Firms connected to Arma Karma

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

connected firms
8
share a director
6
share its postcode
2

In the full report: all 8 connected firms, named

  • How each is linked: shared directors (6), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Arma Karma

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

In Colchester

Acorn Mortgage Services (Essex) LimitedColchesterAppointed representativeAmeriCover LimitedColchesterAppointed representativeAppointed Representative 1 LimitedColchesterAppointed representativeAssociation of Translation Companies LimitedColchesterAppointed representativeAssured Funding LtdColchesterAppointed representativeBGA Financial Services LimitedColchesterAppointed representative

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 Arma Karma

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 23 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Arma Karma Limited FCA authorised?
Arma Karma Limited (FRN 925873) 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 Arma Karma?
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. Arma Karma Limited (FRN 925873) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Arma Karma's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Arma Karma, 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 Arma Karma’s phone number and website?
The FCA register lists the phone number 07772 202303 and the website armakarma.insure for Arma Karma. If you were given different contact details, use these to check with the firm before going any further.
Is Arma Karma a scam or clone?
Arma Karma 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 Arma Karma?
Protection works through Innovative Risk Labs Ltd, the principal firm responsible for Arma Karma's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Arma Karma?
Arma Karma is owned by Bspoke Insurance Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 25 October 2024. Before that, it was controlled by Mr Christian Frogner and Mr Benjamin Thomas Smyth.
Who runs Arma Karma?
Companies House lists 4 directors of Arma Karma: Benjamin Thomas Smyth, Ryan Mark Gill, Kerry Louise McMahon-White and Philip James Welch.
How long has Arma Karma been in business?
The company was formed on 17 May 2019.
What do Arma Karma’s latest accounts show?
Its latest accounts, to 31 October 2023, show net assets of −£256k (up £514k from −£769k). Its accounts are overdue at Companies House.
Does Arma Karma use any other names?
It trades as Save the Date.

Sources and links

The full report on Arma Karma Limited

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