Focus Finsure Ltd

Reference number: 841275

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Freedom Circle Limited Reference number: 808384 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Focus Finsure Ltd (FRN 841275) is an AR of Freedom Circle Limited (FRN 808384). When you use Focus Finsure's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Focus Finsure, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

  • No website on the FCA register

  • Phone number

    0121 439 5390

  • Address

    155 Sutton Road, Wylde Green, Birmingham, West Midlands, B23 5TN, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 439 5390 is
  • Who else gives the postcode B23 5TN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Freedom Circle 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
11864915
Company status
Active
Company type
Private limited company
Incorporated
6 March 2019 (7 years old)
Registered office
155 Sutton Road, Birmingham, B23 5TN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Shijo Joseph Director Dec 1975 6 Mar 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£442k

+37% from £322k

Cash at bank

£110k

No earlier figure to compare

Employees (average)

1

Same as 1

Owed within a year

£58.3k

+6.2% from £54.9k

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.

Accounts filed at Companies House for company 11864915. 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

Focus Finsure’s history from the FCA register and Companies House, newest first.

2019

2 May 2019

  • Became an appointed representative

FCA register

6 March 2019

  • Incorporated at Companies House
  • Shijo Joseph took control (75–100% of shares)
  • Shijo Joseph appointed as a director

Companies House

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

Firms like Focus Finsure

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

In Birmingham

Perk UK LtdBirminghamAppointed representativeWest Midlands Police FederationBirminghamAppointed representativeAlex WongBirminghamAppointed representativeAlliance Health PMI LimitedBirminghamAppointed representativeAscent Risk Solutions LimitedBirminghamAppointed representativeAyub ManzoorBirminghamAppointed 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 Focus Finsure

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is Focus Finsure Ltd FCA authorised?
Focus Finsure Ltd (FRN 841275) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Focus Finsure?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Focus Finsure Ltd (FRN 841275) is an AR of Freedom Circle Limited (FRN 808384). When you use Focus Finsure's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Focus Finsure, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 Focus Finsure’s phone number?
The FCA register lists the phone number 0121 439 5390 for Focus Finsure. If you were given different contact details, use these to check with the firm before going any further.
Is Focus Finsure a scam or clone?
Focus Finsure 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 Focus Finsure?
Protection works through Freedom Circle Limited, the principal firm responsible for Focus Finsure's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Focus Finsure?
Companies House lists one person with significant control of Focus Finsure: Mr Shijo Joseph (75–100% of shares).
Who runs Focus Finsure?
Companies House lists one director of Focus Finsure: Shijo Joseph.
How long has Focus Finsure been in business?
The company was formed on 6 March 2019.
What do Focus Finsure’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £442k (+37% from £322k) and cash at bank of £110k (no earlier figure to compare).

Sources and links

The full report on Focus Finsure Ltd

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