Gardx Assure Ltd

Reference number: 711212

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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

  • When gardxassure.com first appeared online, and whether it can receive email
  • What kind of line 01243 376426 is
  • Who else gives the postcode PO6 4TY
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Other names (3)

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

  • Calls 4 U Trading name
  • GardX Insurance Services Trading name
  • Gardx Assure Limited Former 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.
  • 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 (5 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
  • 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
09339557
Company status
Active
Company type
Private limited company
Incorporated
3 December 2014 (11 years old)
Registered office
Lake House, 2 Port Way, Port Solent, Hampshire, PO6 4TY, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Victor Adolf Coutin Director Aug 1955 3 Dec 2014 11 other companies
Victor Lloyd Coutin Director Jun 1991 24 Sep 2024 2 other companies
Victor Adolf Coutin Secretary Not published 3 Dec 2014 –

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
12
closed down
5
run together
1

In the full report: all 12 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
  • The 1 company these 2 directors run together
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Filed accounts and finances

7 months to 31 December 2024Full accountsAudited

Total equity

£546k

−77% from £2.35m

Cash at bank

£117k

+9.3% from £107k

Owed within a year

£265k

−19% from £327k

Total equity

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 09339557. 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

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

Key events (9) All events (14)

2024

20 February 2024

  • Gardx Holdings Ltd took control (75–100% of shares)
  • Victor Adolf Coutin gave up control

Companies House

2021

13 July 2021

  • Changed its registered name from "Gardx Assure Limited"

FCA register

2019

1 October 2019

  • Martin Keith Webb stopped being a part-owner

Companies House

2017

1 February 2017

  • Martin Keith Webb became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Victor Adolf Coutin took control (75–100% of shares)

Companies House

2015

29 December 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2014

3 December 2014

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (9 shown here)
  • Every director appointment and resignation: 2
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Firms like Gardx Assure

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

In Portsmouth

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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 Gardx Assure

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Gardx Assure Ltd FCA authorised?
Yes, Gardx Assure Ltd (FRN 711212) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2015 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Gardx Assure’s phone number and website?
The FCA register lists the phone number 01243 376426 and the website gardxassure.com for Gardx Assure. If you were given different contact details, use these to check with the firm before going any further.
Is Gardx Assure a scam or clone?
Gardx Assure 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 Gardx Assure?
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 Gardx Assure to the Financial Ombudsman Service, free of charge.
Who owns Gardx Assure?
Gardx Assure is owned by Gardx Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 20 February 2024. Before that, it was controlled by Mr Victor Adolf Coutin and Martin Keith Webb.
Who runs Gardx Assure?
Companies House lists 2 directors of Gardx Assure: Victor Adolf Coutin and Victor Lloyd Coutin.
How long has Gardx Assure been in business?
The company was formed on 3 December 2014, and has held its current FCA authorisation since December 2015.
What do Gardx Assure’s latest accounts show?
Its latest accounts, to 31 December 2024, show total equity of £546k (−77% from £2.35m) and cash at bank of £117k (+9.3% from £107k).
Does Gardx Assure use any other names?
It trades as Calls 4 U and GardX Insurance Services. It has previously used the name Gardx Assure Limited.

Sources and links

The full report on Gardx Assure Ltd

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