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.
- Appointed for 21 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 December 2025
Responsible principal firm
Openwork Limited Reference number: 408285 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.
- Future Perfect Financial Solutions Limited (FRN 433907) is an AR of Openwork Limited (FRN 408285). When you use Future Perfect Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Future Perfect Financial Solutions, 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.
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No website on the FCA register
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Phone number
-
Address
Orchard Court 4, Binley Business Park,, Harry Weston Road, Coventry, West Midlands, CV3 2TQ, United Kingdom
In the full report: 2 background checks
- What kind of line 024 7644 7100 is
- Who else gives the postcode CV3 2TQ
Other names (4)
If you were contacted under any of these names, it is this firm.
- Future Perfect Trading name: A name it trades under now.
- Future Perfect Life Former trading name: A name it used to trade under.
- www.my-pension-adviser.co.uk Former trading name: A name it used to trade under.
- www.your-financial-advisor.co.uk Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (1)
- 7451273377
Fake email addresses (1)
- support@foopu.net
Fake websites (3)
- foopu.net
- fopufx.com
- fp-forex.com
The FCA warning these came from
- FOPU 26 June 2020
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork 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, freeYou 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 05449445 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 May 2005 (21 years old)
- Registered office
- Orchard Court Iv Orchard Court Iv, Binley Business Park, Coventry, West Midlands, CV3 2TQ
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Robert Earles | Director | May 1967 | 27 Feb 2013 | 3 other companies |
| Kyle Steven Adams | Director | Mar 1983 | 2 Aug 2022 | 4 other companies |
| Michael Peter Mullen-Hughes | Director | Jul 1982 | 2 Aug 2022 | 4 other companies |
Other companies run by these 3 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
- 6
- still active
- 6
- run together
- 3
In the full report: all 6 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 companies these 3 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£536k
+4.8% from £511k
Cash at bank
£198k
+39% from £142k
Owed within a year
£289k
+14% from £253k
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.
Accounts filed at Companies House for company 05449445. 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
Future Perfect Financial Solutions’s history from the FCA register and Companies House, newest first.
2022
2 August 2022
- Future Perfect Financial Solutions Holdings Limited took control (75–100% of shares)
Companies House
2020
26 June 2020
- FCA warned the public about a scam impersonating this firm
FCA warning list
2005
10 June 2005
- Became an appointed representative
FCA register
11 May 2005
- Incorporated at Companies House
Companies House
In the full report: all 23 events
- All 23 events in its history (4 shown here)
- Every director appointment and resignation: 10
Firms connected to Future Perfect Financial Solutions
Other FCA-listed firms that share a director, phone number or address with Future Perfect Financial Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Future Perfect Financial Solutions
Other firms of the same type (insurance broker), nearest first.
In Coventry
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 Future Perfect Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 23 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Does Future Perfect Financial Solutions use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: FOPU fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk