Curo Underwriting Services Ltd

Reference number: 917708

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Authorised by the FCA

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

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.

In the full report: 3 background checks

  • When curo-underwriting.co.uk first appeared online, and whether it can receive email
  • What kind of line 01245 392560 is
  • Who else gives the postcode CM1 7AH
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Other names (1)

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

  • Curo Underwriting Ltd Former name

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

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
09928519
Company status
Active
Company type
Private limited company
Incorporated
23 December 2015 (10 years old)
Registered office
Suite 5 Ground Floor Broomfield Place Main Road, Broomfield, Chelmsford, CM1 7AH, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas James Mansfield Director Jun 1974 23 Dec 2015 1 other company
Jason Robert John Reding Director May 1971 1 Sep 2017 1 other company
Nicholas Martin Watkinson Director Jul 1965 1 Nov 2021 None
Nicholas James Mansfield Secretary Not published 23 Dec 2015 –

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 company
1
closed down
1
run together
1

In the full report: all 1 company, 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 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£123k

−21% from £155k

Cash at bank

£41.2k

−32% from £60.5k

Employees (average)

6

Same as 6

Owed within a year

£55.2k

+14% from £48.5k

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 09928519. 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

Curo Underwriting Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (13)

2021

1 January 2021

  • Nicholas Martin Watkinson became a part-owner (25–50% of shares)

Companies House

2020

2 April 2020

  • Changed its registered name from "Curo Underwriting Ltd"

FCA register

1 April 2020

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2016

6 April 2016

  • Jason Robert John Reding became a part-owner (25–50% of shares)
  • Nicholas James Mansfield became a part-owner (25–50% of shares)

Companies House

2015

23 December 2015

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (8 shown here)
  • Every director appointment and resignation: 3
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Firms like Curo Underwriting Services

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

In Chelmsford

Angel Risk Management LimitedChelmsfordAuthorisedAquamercantile LimitedChelmsfordAuthorisedAscend Broking Group LimitedChelmsfordAuthorisedBeyond Leads LimitedChelmsfordAuthorisedCallaway & Sons Insurance Consultants LimitedChelmsfordAuthorisedCentury Underwriting LimitedChelmsfordAuthorised

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 Curo Underwriting Services

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Curo Underwriting Services Ltd FCA authorised?
Yes, Curo Underwriting Services Ltd (FRN 917708) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2020 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Curo Underwriting Services’ phone number and website?
The FCA register lists the phone number 01245 392560 and the website curo-underwriting.co.uk for Curo Underwriting Services. If you were given different contact details, use these to check with the firm before going any further.
Is Curo Underwriting Services a scam or clone?
Curo Underwriting Services 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 Curo Underwriting Services?
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 Curo Underwriting Services to the Financial Ombudsman Service, free of charge.
Who owns Curo Underwriting Services?
Companies House lists 3 people with significant control of Curo Underwriting Services: Mr Nicholas Martin Watkinson (25–50% of shares), Mr Nicholas James Mansfield (25–50% of shares) and Mr Jason Robert John Reding (25–50% of shares).
Who runs Curo Underwriting Services?
Companies House lists 3 directors of Curo Underwriting Services: Nicholas James Mansfield, Jason Robert John Reding and Nicholas Martin Watkinson.
How long has Curo Underwriting Services been in business?
The company was formed on 23 December 2015, and has held its current FCA authorisation since April 2020.
What do Curo Underwriting Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £123k (−21% from £155k) and cash at bank of £41.2k (−32% from £60.5k).
Does Curo Underwriting Services use any other names?
It has previously used the name Curo Underwriting Ltd.

Sources and links

The full report on Curo Underwriting Services Ltd

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