Clearbrook Financial Solutions Ltd

Reference number: 595173

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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.

Responsible principal firm

First Complete Limited Reference number: 435779 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.
  • Clearbrook Financial Solutions Ltd (FRN 595173) is an AR of First Complete Limited (FRN 435779). When you use Clearbrook Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Clearbrook 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.

  • No website on the FCA register

  • Phone number

    07855 680050

  • Address

    PMJ House, Highlands Road, Solihull, West Midlands, B90 4ND, United Kingdom

In the full report: 2 background checks

  • What kind of line 07855 680050 is
  • Who else gives the postcode B90 4ND
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Other names (5)

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

  • Clearbrook Finance Trading name
  • Clearbrook Mortgages Trading name
  • Clearbrook FS Former trading name
  • Clearbrook Protect Former trading name
  • FindLifeCover.com Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
08229505
Company status
Active
Company type
Private limited company
Incorporated
26 September 2012 (14 years old)
Registered office
Pmj House Highlands Road, Shirley, Solihull, B90 4ND, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Terry James Brooke Director Feb 1984 26 Sep 2012 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£110

Down £5 from £115

Owed within a year

£89.0k

+5.1% from £84.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 08229505. 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

Clearbrook Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (13)

2016

6 April 2016

  • Louise Jayne Brooke became a part-owner (25–50% of shares)
  • Terry James Brooke became the majority owner (50–75% of shares)

Companies House

2013

30 January 2013

  • Became an appointed representative

FCA register

2012

26 September 2012

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Clearbrook Financial Solutions

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Clearbrook Financial Solutions

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

In Solihull

Tarmac Trading LimitedSolihullAppointed representativeAA Mortgage Services LtdSolihullAppointed representativeAldermont Group LimitedSolihullAppointed representativeEi Publican Services LimitedSolihullAppointed representativeErnest Grant LtdSolihullAppointed representativeHopkins Financial Services LtdSolihullAppointed representative

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 Clearbrook Financial Solutions

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clearbrook Financial Solutions Ltd FCA authorised?
Clearbrook Financial Solutions Ltd (FRN 595173) 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 Clearbrook Financial Solutions?
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. Clearbrook Financial Solutions Ltd (FRN 595173) is an AR of First Complete Limited (FRN 435779). When you use Clearbrook Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clearbrook 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.
What is Clearbrook Financial Solutions’ phone number?
The FCA register lists the phone number 07855 680050 for Clearbrook Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Clearbrook Financial Solutions a scam or clone?
Clearbrook Financial Solutions 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 Clearbrook Financial Solutions?
Protection works through First Complete Limited, the principal firm responsible for Clearbrook Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Clearbrook Financial Solutions?
Companies House lists 2 people with significant control of Clearbrook Financial Solutions: Mr Terry James Brooke (50–75% of shares) and Mrs Louise Jayne Brooke (25–50% of shares).
Who runs Clearbrook Financial Solutions?
Companies House lists one director of Clearbrook Financial Solutions: Terry James Brooke.
How long has Clearbrook Financial Solutions been in business?
The company was formed on 26 September 2012.
What do Clearbrook Financial Solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £110 (down £5 from £115).
Does Clearbrook Financial Solutions use any other names?
It trades as Clearbrook Finance and Clearbrook Mortgages. It has previously used 3 other names: Clearbrook FS, Clearbrook Protect and FindLifeCover.com.

Sources and links

The full report on Clearbrook Financial Solutions Ltd

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