Cura Terrae Limited: FCA regulated?

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 under a year
Protected through the principal
No FCA actions
Active company since 2021
Accounts filed up to 30 December 2024
On its latest accounts it owed £3.68m more than it owned

Responsible principal firm

SME HCI Limited Reference number: 626422 Authorised 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.
Cura Terrae Limited (FRN 1050201) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Cura Terrae.
Example: if Cura Terrae refers you to a financial adviser, the advice should come from the principal firm, not from Cura Terrae 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.

Website

cura-terrae.com (opens in a new tab)
Phone number

07841 759482
Address

Unit 3, President Buildings, Savile Street East, Sheffield, Sheffield, S4 7UQ, United Kingdom

In the full report: 3 background checks

When cura-terrae.com first appeared online, and whether it can receive email
What kind of line 07841 759482 is
Who else gives the postcode S4 7UQ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through SME HCI 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: 13354380 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 23 April 2021 (5 years old)
Registered office: Spaces - Pennine Five Block 2, 1 Tenter Street, Sheffield, S1 4BY, England
Nature of business: Activities of head offices (SIC 70100)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Peter John Skipworth (Prof)	Director	Jun 1970	17 Mar 2022	16 other companies
James Edward Gregson	Director	Sep 1980	17 Mar 2022	12 other companies
Greg Austin Holmes	Director	Mar 1990	17 Mar 2022	5 other companies
Richard Ian Waumsley	Director	Jul 1986	4 Mar 2024	12 other companies
Nick Dilworth	Director	Apr 1973	7 Feb 2025	8 other companies
Colin Robert Stirling	Director	Mar 1965	1 Mar 2025	19 other companies
Victoria Louise Fearnley	Director	May 1980	1 Jan 2026	2 other companies
Zoe Emma Denison	Director	Aug 1978	1 May 2026	2 other companies
Kate Ann Noble (Dr)	Secretary	Not published	1 Oct 2023	–

Other companies run by these 8 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: 47
closed down: 5
run together: 11

In the full report: all 47 companies, named

What each company does, and whether it is still trading
Which of these 8 directors sit on each board, and since when
Any that went into liquidation or administration
The 11 companies these 8 directors run together
All 12 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 December 2024Full accountsAudited

Net assets

−£3.68m

Down £1.69m from −£1.99m

Cash at bank

£105k

+248% from £30.2k

Employees (average)

28

+12% from 25

Owed within a year

£14.5m

−9.7% from £16.1m

Net assets are negative: on its last balance sheet the company owed £3.68m more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 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.

Accounts filed at Companies House for company 13354380. 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

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

Key events (5) All events (21)

2026

20 January 2026

Became an introducer appointed representative

FCA register

2022

17 March 2022

Cura Terrae Midco Limited took control (75–100% of shares)
Sara Jane Blannin gave up control

Companies House

2021

23 April 2021

Incorporated at Companies House
Sara Jane Blannin took control (75–100% of shares)

Companies House

In the full report: all 21 events

All 21 events in its history (5 shown here)
Every director appointment and resignation: 16

Firms connected to Cura Terrae

Other FCA-listed firms that share a director, phone number or address with Cura Terrae. 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

Get the full report on Cura Terrae

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

47 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 21 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Cura Terrae Limited FCA authorised?

Cura Terrae Limited (FRN 1050201) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Cura Terrae?

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. Cura Terrae Limited (FRN 1050201) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Cura Terrae. Example: if Cura Terrae refers you to a financial adviser, the advice should come from the principal firm, not from Cura Terrae 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.

What is Cura Terrae’s phone number and website?

The FCA register lists the phone number 07841 759482 and the website cura-terrae.com for Cura Terrae. If you were given different contact details, use these to check with the firm before going any further.

Is Cura Terrae a scam or clone?

Cura Terrae 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 Cura Terrae?

Protection works through SME HCI Limited, the principal firm responsible for Cura Terrae's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Cura Terrae?

Cura Terrae is owned by Cura Terrae Midco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 17 March 2022. Before that, it was controlled by Mrs Sara Jane Blannin.

Who runs Cura Terrae?

Companies House lists 8 directors of Cura Terrae: Peter John Skipworth (Prof), James Edward Gregson, Greg Austin Holmes, Richard Ian Waumsley, Nick Dilworth, Colin Robert Stirling and 2 more.

How long has Cura Terrae been in business?

The company was formed on 23 April 2021.

What do Cura Terrae’s latest accounts show?

Its latest accounts, to 30 December 2024, show net assets of −£3.68m (down £1.69m from −£1.99m) and cash at bank of £105k (+248% from £30.2k).