Fit Ko Ltd

Reference number: 1016434

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

PHL Insurance Brokers Limited Reference number: 301732 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.
  • Fit Ko Ltd (FRN 1016434) introduces customers to PHL Insurance Brokers Limited (FRN 301732). Any regulated advice or arranging is done by the principal, not Fit Ko.
  • Example: if Fit Ko refers you to a financial adviser, the advice should come from the principal firm, not from Fit Ko 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.

In the full report: 3 background checks

  • When fitpro.com first appeared online, and whether it can receive email
  • What kind of line 020 8586 0101 is
  • Who else gives the postcode MK45 4HR
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through PHL Insurance Brokers 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
15804541
Company status
Active
Company type
Private limited company
Incorporated
26 June 2024 (2 years old)
Registered office
167-169 Great Portland Street, Fifth Floor, London, W1W 5PF, England
Nature of business
  • Other sports activities (SIC 93199)

Directors and company secretaries

Name Role Born Appointed Other companies
Teresa Wheatley Director Oct 1972 26 Jun 2024 2 other companies

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 companies
2
still active
2

In the full report: all 2 companies, 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
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£16.9k

No earlier figure to compare

Cash at bank

£8,136

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£49.8k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £16.9k more than it owned.

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 15804541. 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

Fit Ko’s history from the FCA register and Companies House, newest first.

2024

8 July 2024

  • Became an introducer appointed representative

FCA register

26 June 2024

  • Incorporated at Companies House
  • Ttkh Holdings Ltd took control (75–100% of shares)
  • Teresa Wheatley appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Fit Ko

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

In Silsoe

Barnes Robertson LimitedSilsoeAppointed representative

In the Milton Keynes (MK) postcode area

Scania Finance Great Britain LimitedMilton KeynesAppointed representativeConnells ResidentialMilton KeynesAppointed representativeFayth Health LtdOlneyAppointed representativeA J Mobility LtdMilton KeynesAppointed representativeAccessible Insurance Services LTDMilton KeynesAppointed 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 Fit Ko

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Fit Ko Ltd FCA authorised?
Fit Ko Ltd (FRN 1016434) 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 Fit Ko?
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. Fit Ko Ltd (FRN 1016434) introduces customers to PHL Insurance Brokers Limited (FRN 301732). Any regulated advice or arranging is done by the principal, not Fit Ko. Example: if Fit Ko refers you to a financial adviser, the advice should come from the principal firm, not from Fit Ko 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 Fit Ko’s phone number and website?
The FCA register lists the phone number 020 8586 0101 and the website fitpro.com for Fit Ko. If you were given different contact details, use these to check with the firm before going any further.
Is Fit Ko a scam or clone?
Fit Ko 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 Fit Ko?
Protection works through PHL Insurance Brokers Limited, the principal firm responsible for Fit Ko's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fit Ko?
Fit Ko is owned by Ttkh Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 June 2024.
Who runs Fit Ko?
Companies House lists one director of Fit Ko: Teresa Wheatley.
How long has Fit Ko been in business?
The company was formed on 26 June 2024.
What do Fit Ko’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£16.9k (no earlier figure to compare) and cash at bank of £8,136 (no earlier figure to compare).

Sources and links

The full report on Fit Ko Ltd

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