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.
- Appointed for 14 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 30 April 2025
Responsible principal firm
ValidPath Limited Reference number: 197107 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.
- BPU Financial Solutions Ltd (FRN 575117) is an AR of ValidPath Limited (FRN 197107). When you use BPU Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from BPU Financial Solutions, 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.
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No website on the FCA register
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Phone number
-
Address
Radnor House Greenwood Close, Cardiff Gate Business Park, Pontprennau, Cardiff, South Glam, CF23 8AA, United Kingdom
In the full report: 2 background checks
- What kind of line 029 2073 4100 is
- Who else gives the postcode CF23 8AA
FCA permissions and consumer protection
- Protection through the principal firmProtection works through ValidPath 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, freeYou 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 name
- BPU FINANCIAL SOLUTIONS LIMITED
- Company number
- 07792474 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 September 2011 (15 years old)
- Registered office
- Radnor House Greenwood Close, Cardiff Gate Business Park, Cardiff, CF23 8AA
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
- Other activities auxiliary to insurance and pension funding (SIC 66290)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Lloyd Miller | Director | Sep 1980 | 7 Jun 2017 | None |
| Nicholas Matthew Toye | Director | Aug 1973 | 20 Jul 2022 | 4 other companies |
| Martin Paul Knight | Director | Mar 1986 | 20 Jul 2022 | 2 other companies |
Other companies run by these 3 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
- 4
- still active
- 4
- run together
- 2
In the full report: all 4 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 companies these 3 directors run together
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£55.0k
+31% from £42.0k
Cash at bank
£141k
+9.1% from £129k
Employees (average)
2
Same as 2
Owed within a year
£100k
−21% from £127k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 07792474. 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
BPU Financial Solutions’s history from the FCA register and Companies House, newest first.
2017
2 June 2017
- Chartergroup Financial Management Ltd stopped being a part-owner
Companies House
2016
17 November 2016
- Andrew Lloyd Miller became a part-owner (25–50% of shares)
- Andrew Lloyd Miller stopped being a part-owner
- John Huw Palin became a part-owner (25–50% of shares)
- John Huw Palin stopped being a part-owner
- Nicholas Matthew Toye became a part-owner (25–50% of shares)
- Nicholas Matthew Toye stopped being a part-owner
Companies House
6 April 2016
- Bpu Limited took control (75–100% of shares)
- Chartergroup Financial Management Ltd became a part-owner (25–50% of shares)
- Evan Peter Umbleja became a part-owner (25–50% of shares)
- Evan Peter Umbleja stopped being a part-owner
Companies House
2012
14 February 2012
- Became an appointed representative
FCA register
2011
30 September 2011
- Incorporated at Companies House
Companies House
In the full report: all 24 events
- All 24 events in its history (13 shown here)
- Every director appointment and resignation: 11
Firms like BPU Financial Solutions
Other firms of the same type (insurance broker), nearest first.
In Cardiff
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 BPU Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 24 events in its history
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk