Capulus Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 31 March 2024
Its phone number is also given by a firm that is no longer authorised
1 thing worth a closer look in the background checks

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

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

020 7977 4800

Also given by 2 firms that are no longer authorised. Check you are dealing with the firm on this page.
Address

7th Floor, The St. Botolph Building, 138 Houndsditch, London, City Of London, EC3A 7AW, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When capulus.co.uk first appeared online, and whether it can receive email
What kind of line 020 7977 4800 is, and the 19 other firms that give it
Whether EC3A 7AW is a shared office: 30 other firms give it

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.
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 (5 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
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 number: 11274813 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 26 March 2018 (8 years old)
Registered office: 7th Floor, The St Botolph Building, 138 Houndsditch, London, EC3A 7AW, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Darren Ovenden	Director	Jun 1975	26 Mar 2018	1 other company
Kevin John Smith	Director	Oct 1977	26 Mar 2018	7 other companies
Lee David Anderson	Director	Jan 1972	1 Oct 2024	66 other companies
Warren Downey	Director	Sep 1971	1 Oct 2024	1 other company
Joseph James Hanly	Director	Jul 1971	1 Oct 2024	86 other companies

Other companies run by these 5 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: 98
closed down: 21
are FCA-registered: 28

In the full report: all 98 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
Any that went into liquidation or administration
The 28 on the FCA register, including 3 no longer authorised
The 59 companies these 5 directors run together

Filed accounts and finances

Year to 31 March 2024Small company accountsNot audited

Net assets

£1.01m

+21% from £836k

Cash at bank

£913k

+260% from £253k

Employees (average)

23

+35% from 17

Owed within a year

£1.07m

+340% from £242k

Assets and liabilities

In the full report: all 5 years of accounts

Every year from 2020 to 2024
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 11274813. 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

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

Key events (8) All events (14)

2019

31 October 2019

Darren Ovenden stopped being a part-owner
Kevin John Smith stopped being a part-owner
Vivere Holdings Limited took control (75–100% of shares)

Companies House

2018

25 September 2018

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

FCA register

26 March 2018

Incorporated at Companies House
Darren Ovenden became a part-owner (25–50% of shares)
Kevin John Smith became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

All 14 events in its history (8 shown here)
Every director appointment and resignation: 5

Firms connected to Capulus

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

connected firms: 12
no longer authorised: 1
share its phone number: 12

In the full report: all 12 connected firms, named

How each is linked: the same phone number (12), the same postcode (12)
Who links each one: the named directors, with dates

Firms like Capulus

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

In London

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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 Capulus

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

98 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
5 years of accounts, charted
All 14 events in its history
12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Capulus Limited FCA authorised?

Yes, Capulus Limited (FRN 812830) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2018 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Capulus’ phone number and website?

The FCA register lists the phone number 020 7977 4800 and the website capulus.co.uk for Capulus. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 19 other FCA firms, 2 of which are no longer authorised.

Is Capulus a scam or clone?

Capulus 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 Capulus?

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 Capulus to the Financial Ombudsman Service, free of charge.

Who owns Capulus?

Capulus is owned by Vivere Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 31 October 2019. Before that, it was controlled by Mr Darren Ovenden and Mr Kevin John Smith.

Who runs Capulus?

Companies House lists 5 directors of Capulus: Darren Ovenden, Kevin John Smith, Lee David Anderson, Warren Downey and Joseph James Hanly.

How long has Capulus been in business?

The company was formed on 26 March 2018, and has held its current FCA authorisation since September 2018.

What do Capulus’ latest accounts show?

Its latest accounts, to 31 March 2024, show net assets of £1.01m (+21% from £836k) and cash at bank of £913k (+260% from £253k).