Emerald Life Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 5 years
Your funds are protected by FSCS
No FCA actions
Active company since 2010
Accounts filed up to 31 August 2025
On its latest accounts it owed £2.45m more than it owned
1 thing worth a closer look in the background checks

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

emeraldlife.co.uk (opens in a new tab)
Phone number

07808 167868
Address

65 Fairmount Road, London, Lambeth, SW2 2BJ, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When emeraldlife.co.uk first appeared online, and whether it can receive email
What kind of line 07808 167868 is
Who else gives the postcode SW2 2BJ

Other names (1)

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

Emerald Pet Trading name: A name it trades under now.

FCA permissions and consumer protection

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 (4 permissions)

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

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: 07201151 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 March 2010 (16 years old)
Registered office: 65 Fairmont Road, London, London, SW2 2BJ, England
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Steven Anthony Wardlaw	Director	Jan 1969	24 Mar 2010	7 other companies
Heidi Ann Mccormack	Director	Sep 1964	11 Nov 2014	2 other companies
Bradley Mitchell Brandon-Cross	Director	May 1959	18 Aug 2021	7 other companies
Sara Louise Ager	Director	Apr 1972	18 Aug 2021	5 other companies

Other companies run by these 4 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: 19
closed down: 5
is FCA-registered: 1

In the full report: all 19 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 2 companies these 4 directors run together
All 7 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 August 2025Abridged accountsNot audited

Net assets

−£2.45m

Down £59.9k from −£2.39m

Cash at bank

£1,224

Up £240 from £984

Employees (average)

0

Same as 0

Owed within a year

£28.4k

+9.6% from £25.9k

Net assets are negative: on its last balance sheet the company owed £2.45m more than it owned.

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

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 07201151. 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

Emerald Life’s history from the FCA register and Companies House, newest first.

Key events (4) All events (16)

2021

1 June 2021

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2016

6 April 2016

Emerald Village Holdings Limited took control (75–100% of shares)

Companies House

2010

24 March 2010

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (4 shown here)
Every director appointment and resignation: 10

Firms connected to Emerald Life

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

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Emerald Life

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

In London

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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 Emerald Life

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

19 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
7 years of accounts, charted
All 16 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Emerald Life Limited FCA authorised?

Yes, Emerald Life Limited (FRN 945500) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2021 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Emerald Life’s phone number and website?

The FCA register lists the phone number 07808 167868 and the website emeraldlife.co.uk for Emerald Life. If you were given different contact details, use these to check with the firm before going any further.

Is Emerald Life a scam or clone?

Emerald Life 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 Emerald Life?

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 Emerald Life to the Financial Ombudsman Service, free of charge.

Who owns Emerald Life?

Emerald Life is owned by Emerald Village Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.

Who runs Emerald Life?

Companies House lists 4 directors of Emerald Life: Steven Anthony Wardlaw, Heidi Ann McCormack, Bradley Mitchell Brandon-Cross and Sara Louise Ager.

How long has Emerald Life been in business?

The company was formed on 24 March 2010, and has held its current FCA authorisation since June 2021.

What do Emerald Life’s latest accounts show?

Its latest accounts, to 31 August 2025, show net assets of −£2.45m (down £59.9k from −£2.39m) and cash at bank of £1,224 (up £240 from £984).

Does Emerald Life use any other names?

It trades as Emerald Pet.