Clarity Umbrella Ltd
Reference number: 1013912
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 5 April 2025
- Its whole board of directors changed in July 2026
Responsible principal firm
Independent Broking Solutions Limited Reference number: 312026 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- CLARITY UMBRELLA LTD (FRN 1013912) introduces customers to Independent Broking Solutions Limited (FRN 312026). Any regulated advice or arranging is done by the principal, not CLARITY UMBRELLA.
- Example: if CLARITY UMBRELLA refers you to a financial adviser, the advice should come from the principal firm, not from CLARITY UMBRELLA itself.
- 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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Phone number
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Address
APPLETREE BARNS, FOLLY LANE, COPDOCK, IPSWICH, IP8 3JQ, United Kingdom
In the full report: 3 background checks
- When clarityumbrella.co.uk first appeared online, and whether it can receive email
- What kind of line 01473 845835 is
- Who else gives the postcode IP8 3JQ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Independent Broking Solutions 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 number
- 12210720 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 September 2019 (7 years old)
- Registered office
- 2 Appletree Barns Folly Lane, Copdock, Ipswich, IP8 3JQ, England
- Nature of business
-
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Oliver Edward Williams | Director | May 1996 | 10 Jul 2026 | 6 other companies |
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 companies
- 6
- closed down
- 2
- still active
- 4
In the full report: all 6 companies, 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
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£49.9m
Not compared: the previous accounts cover a different length of time
Profit before tax
£154k
Not compared: the previous accounts cover a different length of time
Net assets
£436k
+36% from £320k
Cash at bank
£3.62m
−23% from £4.70m
The previous accounts cover 18 months, so turnover and profit are not compared with them.
Assets and liabilities
In the full report: all 5 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.
Accounts filed at Companies House for company 12210720. 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
Clarity Umbrella’s history from the FCA register and Companies House, newest first.
2026
10 July 2026
- Board replaced: both directors left and a new director took over
Companies House
2025
15 May 2025
- Lucy Jane Smith gave up control
- Quitron Holding Ltd took control (75–100% of shares)
Companies House
2024
22 June 2024
- Became an introducer appointed representative
FCA register
2019
17 September 2019
- Incorporated at Companies House
- Lucy Jane Smith took control (75–100% of shares)
Companies House
In the full report: all 13 events
- All 13 events in its history (6 shown here)
- Every director appointment and resignation: 7
Firms like Clarity Umbrella
Other firms of the same type (investment or fund manager), nearest first.
In the Ipswich (IP) postcode area
Elsewhere in the UK
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 Clarity Umbrella
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 13 events in its history
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Frequently asked questions about this firm
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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