BENEFITS2U Limited

Reference number: 301858

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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 benefits2u.org first appeared online, and whether it can receive email
  • What kind of line 01473 384836 is
  • Who else gives the postcode IP7 5PP
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Other names (14)

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

  • Private Security Insurance Trading name
  • Reserve Forces Trading name
  • Reserve Forces Insurance Trading name
  • Reserve Forces Insurance.co.uk Trading name
  • ServiceGuard Insurance Trading name
  • ServicesGuard Trading name
  • Victory Trading name
  • Stuart Harvey Insurance Brokers Limited Former name
  • Forces Financial Former trading name
  • Forces Mutual Former trading name
  • Forces Travel (RG) Former trading name
  • NAAFI Financial Former trading name
  • Police Mutual Former trading name
  • Serviceloans.co.uk Former trading name

FCA permissions and consumer protection

  • 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (10 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to regulated mortgage contracts
  • 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
04224318
Company status
Active
Company type
Private limited company
Incorporated
29 May 2001 (25 years old)
Registered office
Pond Hall Pond Hall Road, Hadleigh, Ipswich, IP7 5PP, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Andrew Proudman Director May 1956 30 Dec 2016 4 other companies
Robin Williams Director Dec 1969 1 May 2017 15 other companies

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
15
closed down
11
is FCA-registered
1

In the full report: all 15 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 4 companies these 2 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Full accountsNot audited

Total equity

£606k

No earlier figure to compare

Cash at bank

£49.8k

−4.9% from £52.4k

Employees (average)

0

Same as 0

Owed within a year

£17.7k

+37% from £12.9k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2019 to 2023
  • 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 04224318. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Benefits2u’s history from the FCA register and Companies House, newest first.

Key events (11) All events (56)

2024

29 November 2024

  • Robert Andrew Proudman no longer has significant control
  • Robin Williams no longer has significant control

Companies House

1 January 2024

  • R3: Financial Services Group took control (75–100% of shares)
  • Robin Williams gained significant control

Companies House

2018

15 March 2018

  • Changed its registered name from "Stuart Harvey Insurance Brokers Limited"

FCA register

2016

31 December 2016

  • Robert Andrew Proudman gained significant control

Companies House

30 December 2016

  • Board replaced: all 4 directors left and a new director took over

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

2001

29 May 2001

  • Incorporated at Companies House

Companies House

In the full report: all 56 events

  • All 56 events in its history (11 shown here)
  • Every director appointment and resignation: 22
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Firms connected to Benefits2u

Other FCA-listed firms that share a director, phone number or address with Benefits2u. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Benefits2u

Other firms of the same type (mortgage adviser or broker), nearest first.

In Ipswich

Abacus Colchester LimitedIpswichAuthorisedIpswich Mortgage Centre LimitedIpswichAuthorisedLendese LimitedIpswichAuthorisedLighthouse Independent Financial Solutions LimitedIpswichAuthorisedMatthew GalloIpswichAuthorisedNeedham Mortgage Centre LimitedIpswichAuthorised

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 Benefits2u

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 56 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is BENEFITS2U Limited FCA authorised?
Yes, BENEFITS2U Limited (FRN 301858) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Benefits2u’s phone number and website?
The FCA register lists the phone number 01473 384836 and the website benefits2u.org for Benefits2u. If you were given different contact details, use these to check with the firm before going any further.
Is Benefits2u a scam or clone?
Benefits2u 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 Benefits2u?
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 Benefits2u to the Financial Ombudsman Service, free of charge.
Who owns Benefits2u?
Benefits2u is owned by R3: Financial Services Group, which holds 75–100% of shares, since 1 January 2024. Before that, it was controlled by Mr Robin Williams and Mr Robert Andrew Proudman.
Who runs Benefits2u?
Companies House lists 2 directors of Benefits2u: Robert Andrew Proudman and Robin Williams.
How long has Benefits2u been in business?
The company was formed on 29 May 2001, and has held its current FCA authorisation since January 2005.
What do Benefits2u’s latest accounts show?
Its latest accounts, to 31 December 2023, show total equity of £606k (no earlier figure to compare) and cash at bank of £49.8k (−4.9% from £52.4k).
Does Benefits2u use any other names?
It trades as Private Security Insurance, Reserve Forces, Reserve Forces Insurance, Reserve Forces Insurance.co.uk and ServiceGuard Insurance, and 2 more names. It has previously used 7 other names, including Stuart Harvey Insurance Brokers Limited, Forces Financial and Forces Mutual.

Sources and links

The full report on BENEFITS2U Limited

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