K3 Health Ltd

Reference number: 728015

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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

WPA Healthcare Practice Plc Reference number: 757721 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.
  • K3 HEALTH LTD (FRN 728015) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use K3 HEALTH's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from K3 HEALTH, 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.

In the full report: 3 background checks

  • When wpa.org.uk first appeared online, and whether it can receive email
  • What kind of line 01905 350419 is
  • Who else gives the postcode WR5 2QP
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Other names (1)

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

  • Noel Kessell Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through WPA Healthcare Practice PLC, 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
13621881
Company status
Active
Company type
Private limited company
Incorporated
14 September 2021 (5 years old)
Registered office
Anglo House, Worcester Road, Stourport-On-Severn, DY13 9AW, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Noel Kessell Director Apr 1967 14 Sep 2021 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£39.8k

+417% from £7,702

Employees (average)

1

−50% from 2

Owed within a year

£41.0k

−31% from £59.8k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13621881. 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

K3 Health’s history from the FCA register and Companies House, newest first.

2022

15 January 2022

  • Changed its registered name from "Noel Kessell"

FCA register

2021

14 September 2021

  • Incorporated at Companies House
  • Noel Kessell took control (75–100% of shares)
  • Noel Kessell appointed as a director

Companies House

2015

4 December 2015

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like K3 Health

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

In Worcester

TR Health LimitedWorcesterAppointed representative4U2B LimitedWorcesterAppointed representativeHerefordshire and Worcestershire Chamber of CommerceWorcesterAppointed representativeKathryn Louise BurfittWorcesterAppointed representativeMarket Technology LtdWorcesterAppointed representativeMortgageexpertsuk LtdWorcesterAppointed 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 K3 Health

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is K3 Health Ltd FCA authorised?
K3 Health Ltd (FRN 728015) 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 K3 Health?
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. K3 Health Ltd (FRN 728015) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use K3 Health's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from K3 Health, 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 K3 Health’s phone number and website?
The FCA register lists the phone number 01905 350419 and the website wpa.org.uk/noelkessell for K3 Health. If you were given different contact details, use these to check with the firm before going any further.
Is K3 Health a scam or clone?
K3 Health 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 K3 Health?
Protection works through WPA Healthcare Practice PLC, the principal firm responsible for K3 Health's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns K3 Health?
Companies House lists one person with significant control of K3 Health: Mr Noel Kessell (75–100% of shares).
Who runs K3 Health?
Companies House lists one director of K3 Health: Noel Kessell.
How long has K3 Health been in business?
The company was formed on 14 September 2021.
What do K3 Health’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £39.8k (+417% from £7,702).
Does K3 Health use any other names?
It has previously used the name Noel Kessell.

Sources and links

The full report on K3 Health Ltd

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