Business Protected Limited: FCA regulated?

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 3 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 March 2025

Responsible principal firm

Affinity Mortgages Limited Reference number: 598756 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.
Business Protected Limited (FRN 987344) is an AR of Affinity Mortgages Limited (FRN 598756). When you use Business Protected's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Business Protected, 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.

Website

businessprotected.co.uk (opens in a new tab)
Phone number

01702 413658
Address

Gibraltar House, 539-543 London Road, Westcliff-on-Sea, Essex, SS0 9LJ, United Kingdom

In the full report: 3 background checks

When businessprotected.co.uk first appeared online, and whether it can receive email
What kind of line 01702 413658 is
Who else gives the postcode SS0 9LJ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Affinity Mortgages 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: 14350070 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 September 2022 (4 years old)
Registered office: 539-543 London Road, Westcliff-On-Sea, Essex, SS0 9LJ, United Kingdom
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nathaniel Dominic Hok Chung Lee	Director	Sep 1987	12 Sep 2022	2 other companies
Jamie Jonathan Lewis	Director	Aug 1979	12 Sep 2022	7 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: 9
closed down: 3
are FCA-registered: 2

In the full report: all 9 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 2 on the FCA register

Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£7,566

−71% from £26.2k

Cash at bank

£12.0k

+66% from £7,242

Owed within a year

£18.8k

−59% from £45.7k

Assets and liabilities

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 14350070. 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

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

2022

18 November 2022

Became an appointed representative

FCA register

12 September 2022

Incorporated at Companies House
Affinity Mortgages Limited became a part-owner (25–50% of shares)
Nathaniel Dominic Hok Chung Lee became a part-owner (25–50% of shares)
Jamie Jonathan Lewis appointed as a director
Nathaniel Dominic Hok Chung Lee appointed as a director

Companies House

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

Firms connected to Business Protected

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

connected firms: 2
share a director: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same postcode (2)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Business Protected

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

In Westcliff-on-Sea

Columbus One Thousand LimitedWestcliff-on-SeaAppointed representative Essex Mobility CentreWestcliff-on-seaAppointed representative Sutherland Risk International LimitedWestcliff-On-SeaAppointed representative Blackhawk Insurance Services LimitedWestcliff-On-SeaAuthorised Explorer Insurance Services LimitedWestcliff-on-SeaAuthorised Prestige Healthplans LimitedWestcliff-on-seaAuthorised

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 Business Protected

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

9 other companies its directors have run, named
3 background checks on its contact details
All 6 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Business Protected Limited FCA authorised?

Business Protected Limited (FRN 987344) 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 Business Protected?

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. Business Protected Limited (FRN 987344) is an AR of Affinity Mortgages Limited (FRN 598756). When you use Business Protected's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Business Protected, 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 Business Protected’s phone number and website?

The FCA register lists the phone number 01702 413658 and the website businessprotected.co.uk for Business Protected. If you were given different contact details, use these to check with the firm before going any further.

Is Business Protected a scam or clone?

Business Protected 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 Business Protected?

Protection works through Affinity Mortgages Limited, the principal firm responsible for Business Protected's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Business Protected?

Companies House lists 2 people with significant control of Business Protected: Mr Nathaniel Dominic Hok Chung Lee (25–50% of shares) and Affinity Mortgages Limited (25–50% of shares).

Who runs Business Protected?

Companies House lists 2 directors of Business Protected: Nathaniel Dominic Hok Chung Lee and Jamie Jonathan Lewis.

How long has Business Protected been in business?

The company was formed on 12 September 2022.

What do Business Protected’s latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of £7,566 (−71% from £26.2k) and cash at bank of £12.0k (+66% from £7,242).