HPS Financial Services Ltd

Reference number: 1015201

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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

TMG Direct Limited Reference number: 786245 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.
  • HPS Financial Services Ltd (FRN 1015201) is an AR of TMG Direct Limited (FRN 786245). When you use HPS Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from HPS Financial Services, 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

    07912 185548

  • Address

    5A The Arcade, Bedford, Bedford, MK40 1NS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07912 185548 is
  • Who else gives the postcode MK40 1NS
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Other names (2)

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

  • HPS Insurance Trading name
  • HomeProtect Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TMG Direct 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
14583389
Company status
Active
Company type
Private limited company
Incorporated
10 January 2023 (3 years old)
Registered office
C/O Taxassist Accountants, 5a Market Hall, Bedford, MK40 1NS, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Edward Roberts Director Feb 1983 10 Jan 2023 1 other company
Johanna Jean Hardie Director Sep 1993 28 Feb 2024 2 other companies
Ann Rachel Roberts Director Jun 1957 27 Sep 2024 None
Johanna Jean Hardie Secretary Not published 26 Jan 2023 –
Ann Rachel Roberts Secretary Not published 26 Jan 2023 –

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
2
closed down
1
run together
1

In the full report: all 2 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 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

−£484k

Down £294k from −£190k

Cash at bank

£5,823

−84% from £35.8k

Employees (average)

18

+38% from 13

Owed within a year

£438k

+110% from £208k

Net assets are negative: on its last balance sheet the company owed £484k more than it owned.

Assets and liabilities

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 14583389. 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

HPS Financial Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2026

30 June 2026

  • Changed its registered name from "HomeProtect Solutions Ltd"

FCA register

2024

22 July 2024

  • Became an appointed representative

FCA register

25 January 2024

  • Johanna Jean Hardie became a part-owner (25–50% of shares)

Companies House

2023

10 January 2023

  • Incorporated at Companies House
  • Mark Edward Roberts became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like HPS Financial Services

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

In Bedford

C E J Fisher, G J Lilley & L A M BourkeBedfordAppointed representativeCato Real Estate LtdBedfordAppointed representativeDean & Kendall Financial Services LtdBedfordAppointed representativeFirst Choice Health LimitedBedfordAppointed representativeGrove Life LtdBedfordAppointed representativeIcon Mortgage Associates LtdBedfordAppointed 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 HPS Financial Services

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
  • 2 background checks on its contact details
  • All 9 events in its history

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Frequently asked questions about this firm

Is HPS Financial Services Ltd FCA authorised?
HPS Financial Services Ltd (FRN 1015201) 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 HPS Financial Services?
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. HPS Financial Services Ltd (FRN 1015201) is an AR of TMG Direct Limited (FRN 786245). When you use HPS Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from HPS Financial Services, 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 HPS Financial Services’ phone number?
The FCA register lists the phone number 07912 185548 for HPS Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is HPS Financial Services a scam or clone?
HPS Financial Services 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 HPS Financial Services?
Protection works through TMG Direct Limited, the principal firm responsible for HPS Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns HPS Financial Services?
Companies House lists 2 people with significant control of HPS Financial Services: Miss Johanna Jean Hardie (25–50% of shares) and Mr Mark Edward Roberts (25–50% of shares).
Who runs HPS Financial Services?
Companies House lists 3 directors of HPS Financial Services: Mark Edward Roberts, Johanna Jean Hardie and Ann Rachel Roberts.
How long has HPS Financial Services been in business?
The company was formed on 10 January 2023.
What do HPS Financial Services’ latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of −£484k (down £294k from −£190k) and cash at bank of £5,823 (−84% from £35.8k).
Does HPS Financial Services use any other names?
It trades as HPS Insurance. It has previously used the name HomeProtect Solutions Ltd.

Sources and links

The full report on HPS Financial Services Ltd

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