Just Protect Ltd

Reference number: 792773

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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 justprotect.co.uk first appeared online, and whether it can receive email
  • What kind of line 01704 627282 is
  • Who else gives the postcode PR8 3NJ
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Other names (11)

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

  • Just Auto Loans Trading name
  • Just Car Finance Trading name
  • Just Car Loans Trading name
  • Just Finance Me Trading name
  • Just Fund Me Trading name
  • Just Potholes Trading name
  • Just Protect Group Trading name
  • Just Auto Comms Former trading name
  • Just Auto Finance Former trading name
  • Just Innovate Former trading name
  • The Car Dealers Former trading name

FCA permissions and consumer protection

  • 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.
  • 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.
  • 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 (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.

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
10764142
Company status
Active
Company type
Private limited company
Incorporated
10 May 2017 (9 years old)
Registered office
13 Liverpool Road North, Maghull, Merseyside, L31 2HB, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Carl Michael Eccles Director Jul 1977 10 May 2017 4 other companies

Other companies run by its director

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 its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Total equity

£21.3k

No earlier figure to compare

Employees (average)

1

−50% from 2

Owed within a year

£12.2k

Up £11.1k from £1,074

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10764142. 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

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

Key events (9) All events (34)

2018

24 September 2018

  • Marcus Anthony Dixon stopped being a part-owner

Companies House

21 September 2018

  • FCA imposed a requirement (May control but not hold client money)

FCA register

19 January 2018

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

FCA register

2017

5 September 2017

  • Andrew John Shaw stopped being a part-owner

Companies House

22 June 2017

  • Andrew John Shaw became a part-owner (25–50% of shares)
  • Carl Michael Eccles took control (75–100% of shares)
  • Marcus Anthony Dixon became a part-owner (25–50% of shares)

Companies House

10 May 2017

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (9 shown here)
  • Every director appointment and resignation: 7
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Firms like Just Protect

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

In Southport

All Sorted Financial Planning LimitedSouthportAuthorisedBirkdale Broking Group LimitedSouthportAuthorisedDavid Roberts & Partners (Insurance Brokers) LimitedSouthportAuthorisedDriver Guardian LimitedSouthportAuthorisedJ S Consultants (Southport) LtdSouthportAuthorisedLloyd & Co. Employee Benefits LtdSouthportAuthorised

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 Just Protect

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
  • 6 years of accounts, charted
  • All 34 events in its history

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Frequently asked questions about this firm

Is Just Protect Ltd FCA authorised?
Yes, Just Protect Ltd (FRN 792773) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2018 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Just Protect’s phone number and website?
The FCA register lists the phone number 01704 627282 and the website justprotect.co.uk for Just Protect. If you were given different contact details, use these to check with the firm before going any further.
Is Just Protect a scam or clone?
Just Protect 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 Just Protect?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Just Protect to the Financial Ombudsman Service, free of charge.
Who owns Just Protect?
Companies House lists one person with significant control of Just Protect: Mr Carl Michael Eccles (75–100% of shares). Before that, it was controlled by Mr Andrew John Shaw and Mr Marcus Anthony Dixon.
Who runs Just Protect?
Companies House lists one director of Just Protect: Carl Michael Eccles.
How long has Just Protect been in business?
The company was formed on 10 May 2017, and has held its current FCA authorisation since January 2018.
What do Just Protect’s latest accounts show?
Its latest accounts, to 31 May 2025, show total equity of £21.3k (no earlier figure to compare).
Does Just Protect use any other names?
It trades as Just Auto Loans, Just Car Finance, Just Car Loans, Just Finance Me and Just Fund Me, and 2 more names. It has previously used 4 other names, including Just Auto Comms, Just Auto Finance and Just Innovate.

Sources and links

The full report on Just Protect Ltd

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