Clear Risk Management 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 5 years
Protected through the principal
No FCA actions
Active company since 2003
Accounts filed up to 31 December 2021

Responsible principal firm

CLEAR INSURANCE MANAGEMENT LIMITED Reference number: 307982 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.
CLEAR RISK MANAGEMENT LIMITED (FRN 942205) is an AR of CLEAR INSURANCE MANAGEMENT LIMITED (FRN 307982). When you use CLEAR RISK MANAGEMENT's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from CLEAR RISK MANAGEMENT, 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

clearinsurancemanagement.com/risk-management (opens in a new tab)
Phone number

01302 341344
Address

Meadowhall Business Park, Carbrook Hall Road, Sheffield, S9 2EQ, United Kingdom

In the full report: 3 background checks

When clearinsurancemanagement.com first appeared online, and whether it can receive email
What kind of line 01302 341344 is
Who else gives the postcode S9 2EQ

Other names (1)

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

PROAKTIVE RISK MANAGMENT LTD Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Clear Insurance Management 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: 04812139 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 26 June 2003 (23 years old)
Registered office: 24 Monument Street, London, EC3R 8AJ, England
Nature of business: Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ian Paul Clayton	Director	Mar 1980	1 Oct 2020	None
Michael David Simon Edgeley	Director	Oct 1966	4 Nov 2022	78 other companies
Philip John Williams	Director	May 1983	4 Nov 2022	51 other companies
Jitendra Patel	Secretary	Not published	29 Jul 2022	–

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: 84
closed down: 35
are FCA-registered: 14

In the full report: all 84 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 14 on the FCA register, including one no longer authorised
The 45 companies these 3 directors run together
All 12 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2021Full accountsAudited

Net assets

£110k

+172% from £40.5k

Cash at bank

£173k

−37% from £277k

Employees (average)

12

+20% from 10

Owed within a year

£303k

−35% from £463k

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 04812139. 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

Clear Risk Management’s history from the FCA register and Companies House, newest first.

Key events (4) All events (22)

2024

5 July 2024

Changed its registered name from "PROAKTIVE RISK MANAGMENT LTD"

FCA register

2021

4 January 2021

Became an appointed representative

FCA register

2016

6 April 2016

Proaktive Risk Group Ltd took control (75–100% of shares)

Companies House

2003

26 June 2003

Incorporated at Companies House

Companies House

In the full report: all 22 events

All 22 events in its history (4 shown here)
Every director appointment and resignation: 18

Firms connected to Clear Risk Management

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

connected firms: 12
share a director: 12

In the full report: all 12 connected firms, named

How each is linked: shared directors (12)
Who links each one: the named directors, with dates

Firms like Clear Risk Management

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

In Sheffield

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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 Clear Risk Management

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

84 other companies its directors have run, named
3 background checks on its contact details
All 22 events in its history
12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Clear Risk Management Limited FCA authorised?

Clear Risk Management Limited (FRN 942205) 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 Clear Risk Management?

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. Clear Risk Management Limited (FRN 942205) is an AR of CLEAR INSURANCE MANAGEMENT LIMITED (FRN 307982). When you use Clear Risk Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clear Risk Management, 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 Clear Risk Management’s phone number and website?

The FCA register lists the phone number 01302 341344 and the website clearinsurancemanagement.com/risk-management for Clear Risk Management. If you were given different contact details, use these to check with the firm before going any further.

Is Clear Risk Management a scam or clone?

Clear Risk Management 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 Clear Risk Management?

Protection works through Clear Insurance Management Limited, the principal firm responsible for Clear Risk Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Clear Risk Management?

Clear Risk Management is owned by Proaktive Risk Group Ltd, which holds 75–100% of shares, since 6 April 2016.

Who runs Clear Risk Management?

Companies House lists 3 directors of Clear Risk Management: Ian Paul Clayton, Michael David Simon Edgeley and Philip John Williams.

How long has Clear Risk Management been in business?

The company was formed on 26 June 2003.

What do Clear Risk Management’s latest accounts show?

Its latest accounts, to 31 December 2021, show net assets of £110k (+172% from £40.5k) and cash at bank of £173k (−37% from £277k).

Does Clear Risk Management use any other names?

It has previously used the name PROAKTIVE RISK MANAGMENT LTD.