Aro Underwriting Group Ltd

Reference number: 1030696

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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 aro-underwriting.com first appeared online, and whether it can receive email
  • What kind of line 01732 783575 is
  • Who else gives the postcode TN16 1JP
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Other names (5)

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

  • Aro Trading name
  • Aro Complex and Portfolio Trading name
  • Aro Plus Trading name
  • Aro Ten Trading name
  • Willow Trading name

FCA permissions and consumer protection

  • 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.
  • 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 (3 permissions)
  • Arranging (bringing about) deals in investments
  • Dealing in investments as agent
  • 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 name
ARO UNDERWRITING GROUP LIMITED
Company number
07491066
Company status
Active
Company type
Private limited company
Incorporated
12 January 2011 (15 years old)
Registered office
3 The Old Yard Rectory Lane, Brasted, Westerham, Kent, TN16 1JP, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
James Michael Bright Director Apr 1972 1 Mar 2011 3 other companies

Other companies run by its director

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
3
still active
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 December 2024Abridged accountsNot audited

Net assets

£562k

Up £647k from −£84.9k

Cash at bank

£51.6k

−15% from £60.3k

Employees (average)

11

+38% from 8

Owed within a year

£280k

+38% from £203k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 07491066. 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

Aro Underwriting Group’s history from the FCA register and Companies House, newest first.

Key events (12) All events (33)

2026

1 April 2026

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2025

20 June 2025

  • Avantis Ltd stopped being a part-owner
  • Hebrides Investments No.1 Ltd stopped being a part-owner

Companies House

2023

13 October 2023

  • Avantis Ltd became a part-owner (25–50% of shares)

Companies House

3 October 2023

  • Richard John Tee stopped being the majority owner

Companies House

2018

1 January 2018

  • James Michael Bright became the majority owner (50–75% of shares)
  • Richard John Tee became the majority owner (50–75% of shares)

Companies House

2017

25 October 2017

  • Heritage Group Holdings Limited stopped being a part-owner

Companies House

2016

6 April 2016

  • Hebrides Investments No.1 Ltd became a part-owner (25–50% of shares)
  • Heritage Group Holdings Limited became a part-owner (25–50% of shares)

Companies House

2011

12 January 2011

  • Incorporated at Companies House

Companies House

In the full report: all 33 events

  • All 33 events in its history (12 shown here)
  • Every director appointment and resignation: 15
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Firms connected to Aro Underwriting Group

Other FCA-listed firms that share a director, phone number or address with Aro Underwriting Group. 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 Aro Underwriting Group

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

In Westerham

Acer Services LimitedWesterhamAuthorisedPWS Gulf LtdWesterhamAuthorisedCharacter Financial Services LimitedWesterhamAppointed representativeGS London Markets LtdWesterhamAppointed 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 Aro Underwriting Group

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 33 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Aro Underwriting Group Ltd FCA authorised?
Yes, Aro Underwriting Group Ltd (FRN 1030696) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2026 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Aro Underwriting Group’s phone number and website?
The FCA register lists the phone number 01732 783575 and the website aro-underwriting.com for Aro Underwriting Group. If you were given different contact details, use these to check with the firm before going any further.
Is Aro Underwriting Group a scam or clone?
Aro Underwriting Group 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 Aro Underwriting Group?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Aro Underwriting Group to the Financial Ombudsman Service, free of charge.
Who owns Aro Underwriting Group?
Companies House lists one person with significant control of Aro Underwriting Group: Mr James Michael Bright (50–75% of shares). Before that, it was controlled by Mr Richard John Tee, Heritage Group Holdings Limited and Avantis Ltd.
Who runs Aro Underwriting Group?
Companies House lists one director of Aro Underwriting Group: James Michael Bright.
How long has Aro Underwriting Group been in business?
The company was formed on 12 January 2011, and has held its current FCA authorisation since April 2026.
What do Aro Underwriting Group’s latest accounts show?
Its latest accounts, to 30 December 2024, show net assets of £562k (up £647k from −£84.9k) and cash at bank of £51.6k (−15% from £60.3k).
Does Aro Underwriting Group use any other names?
It trades as Aro, Aro Complex and Portfolio, Aro Plus, Aro Ten and Willow.

Sources and links

The full report on Aro Underwriting Group Ltd

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