Essential Risk Solutions Ltd

Reference number: 522551

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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, 1 thing worth a closer look

  • When waddleinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 311 1123 is, and the other firm that gives it
  • Who else gives the postcode SA2 0EX
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Other names (5)

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

  • Waddle Insurance Trading name
  • Beaumont Roberts Insurance Brokers Former trading name
  • Commercial Insurance Direct Former trading name
  • The Essential Network Former trading name
  • www.justquoteme.co.uk Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (6 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
  • Credit Broking
  • 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
07202871
Company status
Active
Company type
Private limited company
Incorporated
25 March 2010 (16 years old)
Registered office
The Hive Rear Of 75, Uplands Crescent, Uplands, Swansea, SA2 0EX, Wales
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Ash Director May 1980 11 Nov 2019 1 other company

Other companies run by its director

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
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£276k

+243% from £80.5k

Cash at bank

£276k

−1.6% from £280k

Employees (average)

51

−1.9% from 52

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 07202871. 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

Essential Risk Solutions’s history from the FCA register and Companies House, newest first.

Key events (7) All events (26)

2020

15 September 2020

  • Jonathan Lee Popple stopped being the majority owner
  • Matthew Ash took control (75–100% of shares)

Companies House

2017

25 March 2017

  • Jonathan Lee Popple became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

24 August 2010

  • Became authorised by the FCA

FCA register

13 April 2010

  • Regulated by the Financial Services Authority from this date

FCA register

25 March 2010

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (7 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Essential Risk Solutions

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

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

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

In Swansea

ClaimRite LimitedSwanseaAuthorisedCompare Insurance Ltd.SwanseaAuthorisedCompton Insurance Services LimitedSwanseaAuthorisedDavid Anthony BowenSwanseaAuthorisedEnterprise Insurance Services (Swansea) LimitedSwanseaAuthorisedInsurance Risk Consultancy Services LimitedSwanseaAuthorised

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 Essential Risk Solutions

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, 1 flagged
  • 6 years of accounts, charted
  • All 26 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Essential Risk Solutions Ltd FCA authorised?
Yes, Essential Risk Solutions Ltd (FRN 522551) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2010 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Essential Risk Solutions’ phone number and website?
The FCA register lists the phone number 0333 311 1123 and the website waddleinsurance.co.uk for Essential Risk Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Essential Risk Solutions a scam or clone?
Essential Risk 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 Essential Risk Solutions?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Essential Risk Solutions to the Financial Ombudsman Service, free of charge.
Who owns Essential Risk Solutions?
Companies House lists one person with significant control of Essential Risk Solutions: Mr Matthew Ash (75–100% of shares). Before that, it was controlled by Mr Jonathan Lee Popple.
Who runs Essential Risk Solutions?
Companies House lists one director of Essential Risk Solutions: Matthew Ash.
How long has Essential Risk Solutions been in business?
The company was formed on 25 March 2010, and has held its current FCA authorisation since August 2010.
What do Essential Risk Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £276k (+243% from £80.5k) and cash at bank of £276k (−1.6% from £280k).
Does Essential Risk Solutions use any other names?
It trades as Waddle Insurance. It has previously used 4 other names, including Beaumont Roberts Insurance Brokers, Commercial Insurance Direct and The Essential Network.

Sources and links

The full report on Essential Risk Solutions Ltd

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