Foundat Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1999
Accounts filed up to 31 March 2026

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

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

029 2077 7901
Address

The Wolery, Agincourt Road, Monmouth, Monmouthshire, NP25 3HD, United Kingdom

In the full report: 3 background checks

When foundationinsurance.co.uk first appeared online, and whether it can receive email
What kind of line 029 2077 7901 is
Who else gives the postcode NP25 3HD

Other names (1)

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

Foundation Insurance Brokers Trading name: A name it trades under now.

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 (9 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Dealing in investments as agent
Debt Administration
Debt-collecting
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: 03891359 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 December 1999 (26 years old)
Registered office: The Wolery, Agincourt Road, Monmouth, NP25 3HD, Wales
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Phillip John Middleton	Director	Mar 1960	9 Dec 1999	4 other companies
Ruth Mary Middleton	Director	Jun 1964	20 May 2002	None
Phillip John Middleton	Secretary	Not published	9 Dec 1999	4 other companies

Other companies run by these 2 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: 4
closed down: 3
still active: 1

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Abridged accountsNot audited

Net assets

£42.3k

−41% from £72.1k

Cash at bank

£47.7k

−42% from £82.7k

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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 03891359. 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

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

Key events (6) All events (16)

2016

6 April 2016

Phillip John Middleton gained significant control
Ruth Mary Middleton gained significant control

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

14 January 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1999

9 December 1999

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (6 shown here)
Every director appointment and resignation: 6

Firms like Foundat

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

In Monmouth

Kama Financial Solutions LtdMonmouthAppointed representative

In the Newport (NP) postcode area

F. R. Ball (Insurance) LimitedAbergavennyAuthorised Next Risk Solutions LimitedPontypoolAuthorised P H J Mitchem Associates LimitedTredegarAuthorised Policy Assist Ltd.Ebbw ValeAuthorised Sandham Davies & Jones LimitedNewportAuthorised

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 Foundat

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

4 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 16 events in its history

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Frequently asked questions about this firm

Is Foundat Limited FCA authorised?

Yes, Foundat Limited (FRN 307901) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Foundat’s phone number and website?

The FCA register lists the phone number 029 2077 7901 and the website foundationinsurance.co.uk for Foundat. If you were given different contact details, use these to check with the firm before going any further.

Is Foundat a scam or clone?

Foundat 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 Foundat?

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 Foundat to the Financial Ombudsman Service, free of charge.

Who owns Foundat?

Companies House lists 2 people with significant control of Foundat: Mr Phillip John Middleton (significant influence or control) and Mrs Ruth Mary Middleton (significant influence or control).

Who runs Foundat?

Companies House lists 2 directors of Foundat: Phillip John Middleton and Ruth Mary Middleton.

How long has Foundat been in business?

The company was formed on 9 December 1999, and has held its current FCA authorisation since January 2005.

What do Foundat’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £42.3k (−41% from £72.1k) and cash at bank of £47.7k (−42% from £82.7k).

Does Foundat use any other names?

It trades as Foundation Insurance Brokers.