AWARD Director & Employee Benefits Limited

Reference number: 953897

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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

The Right Mortgage Limited Reference number: 649443 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.
  • AWARD Director & Employee Benefits Limited (FRN 953897) is an AR of The Right Mortgage Limited (FRN 649443). When you use AWARD Director & Employee Benefits's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AWARD Director & Employee Benefits, 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

    07983 622024

  • Address

    3 The Old Forge, The Green, Pirbright, Woking, Surrey, GU24 0LP, United Kingdom

In the full report: 2 background checks

  • What kind of line 07983 622024 is
  • Who else gives the postcode GU24 0LP
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Other names (2)

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

  • Income Armour Trading name
  • Award Director and Employee Benefits Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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 number
13375351
Company status
Active
Company type
Private limited company
Incorporated
4 May 2021 (5 years old)
Registered office
13 Hanover Square, Mayfair, London, W1S 1HN
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Ward Director Dec 1979 4 May 2021 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

£4,541

−15% from £5,313

Employees (average)

1

Same as 1

Owed within a year

£0

Same as £0

Net assets

In the full report: all 4 years of accounts

  • Every year from 2022 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.

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

Accounts filed at Companies House for company 13375351. 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

AWARD Director & Employee Benefits’s history from the FCA register and Companies House, newest first.

2024

30 August 2024

  • Changed its registered name from "Award Director and Employee Benefits Limited"
  • Began trading as "Income Armour"

FCA register

2021

30 June 2021

  • Became an appointed representative

FCA register

4 May 2021

  • Incorporated at Companies House
  • Andrew Ward took control (75–100% of shares)
  • Andrew Ward appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like AWARD Director & Employee Benefits

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

In Woking

Private Medical Associates LimitedWokingAppointed representativeClassicus Europe BV - UK BranchWokingAppointed representativeKubiq Adjusters LimitedWokingAppointed representativeMIMA Mortgage and Protection Advice LimitedWokingAppointed representativeMovo Woking LimitedWokingAppointed representativeNewnham and Associates LimitedWokingAppointed 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 AWARD Director & Employee Benefits

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is AWARD Director & Employee Benefits Limited FCA authorised?
AWARD Director & Employee Benefits Limited (FRN 953897) 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 AWARD Director & Employee Benefits?
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. AWARD Director & Employee Benefits Limited (FRN 953897) is an AR of The Right Mortgage Limited (FRN 649443). When you use AWARD Director & Employee Benefits's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AWARD Director & Employee Benefits, 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 AWARD Director & Employee Benefits’ phone number?
The FCA register lists the phone number 07983 622024 for AWARD Director & Employee Benefits. If you were given different contact details, use these to check with the firm before going any further.
Is AWARD Director & Employee Benefits a scam or clone?
AWARD Director & Employee Benefits 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 AWARD Director & Employee Benefits?
Protection works through The Right Mortgage Limited, the principal firm responsible for AWARD Director & Employee Benefits's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns AWARD Director & Employee Benefits?
Companies House lists one person with significant control of AWARD Director & Employee Benefits: Mr Andrew Ward (75–100% of shares).
Who runs AWARD Director & Employee Benefits?
Companies House lists one director of AWARD Director & Employee Benefits: Andrew Ward.
How long has AWARD Director & Employee Benefits been in business?
The company was formed on 4 May 2021.
What do AWARD Director & Employee Benefits’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £4,541 (−15% from £5,313).
Does AWARD Director & Employee Benefits use any other names?
It trades as Income Armour. It has previously used the name Award Director and Employee Benefits Limited.

Sources and links

The full report on AWARD Director & Employee Benefits Limited

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