LS Insurance Solutions Ltd

Reference number: 724676

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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

MOMENTUM BROKER SOLUTIONS LTD Reference number: 526435 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.
  • LS Insurance Solutions Ltd (FRN 724676) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use LS Insurance Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LS Insurance 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.

  • No website on the FCA register

  • Phone number

    0116 238 8880

    Also given by 3 firms that are no longer authorised. Check you are dealing with the firm on this page.

  • Address

    3 Moons Lane, Cheslyn Hay, Walsall, Staffordshire, WS6 7AY, United Kingdom

In the full report: 2 background checks

  • What kind of line 0116 238 8880 is, and the 100 other firms that give it
  • Who else gives the postcode WS6 7AY
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Other names (2)

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

  • LS Expert Solutions Ltd Former name
  • Stuart Garrett Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Momentum Broker Solutions Ltd, 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
14694415
Company status
Active
Company type
Private limited company
Incorporated
28 February 2023 (3 years old)
Registered office
C/O Pritchard & Co, 3 High Street, Cheslyn Hay, Walsall, WS6 7AB, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)
  • Activities of insurance agents and brokers (SIC 66220)
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart Garrett Director May 1979 28 Feb 2023 1 other company
Stuart Garrett Secretary Not published 28 Feb 2023 –

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 company
1
still active
1

In the full report: all 1 company, 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Micro-entity accountsNot audited

Net assets

£103k

Up £97.6k from £5,547

Employees (average)

3

Same as 3

Owed within a year

£57.4k

+974% from £5,341

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 14694415. 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

LS Insurance Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2023

29 December 2023

  • Changed its registered name from "LS Expert Solutions Ltd"

FCA register

9 March 2023

  • Changed its registered name from "Stuart Garrett"

FCA register

28 February 2023

  • Incorporated at Companies House
  • Jennifer Elizabeth Garrett became a part-owner (25–50% of shares)
  • Stuart Garrett became a part-owner (25–50% of shares)

Companies House

2015

6 November 2015

  • Became an appointed representative

FCA register

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to LS Insurance Solutions

Other FCA-listed firms that share a director, phone number or address with LS Insurance Solutions. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
12
share its phone number
12

In the full report: all 12 connected firms, named

  • How each is linked: the same phone number (12)
  • Who links each one: the named directors, with dates
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Firms like LS Insurance Solutions

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

In Walsall

Aldridge Mortgages & Protection LimitedWalsallAppointed representativeChoice Finance Mortgages & Financial Solutions LimitedWalsallAppointed representativeMeridian Fp LtdWalsallAppointed representativeMortgagenie LtdWalsallAppointed representativeSave Direct LtdWalsallAppointed representativeSonia McGeoughWalsallAppointed 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 LS Insurance Solutions

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • All 10 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is LS Insurance Solutions Ltd FCA authorised?
LS Insurance Solutions Ltd (FRN 724676) 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 LS Insurance Solutions?
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. LS Insurance Solutions Ltd (FRN 724676) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use LS Insurance Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from LS Insurance 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.
What is LS Insurance Solutions’ phone number?
The FCA register lists the phone number 0116 238 8880 for LS Insurance Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 100 other FCA firms, 3 of which are no longer authorised.
Is LS Insurance Solutions a scam or clone?
LS Insurance Solutions 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 LS Insurance Solutions?
Protection works through Momentum Broker Solutions Ltd, the principal firm responsible for LS Insurance Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns LS Insurance Solutions?
Companies House lists 2 people with significant control of LS Insurance Solutions: Mr Stuart Garrett (25–50% of shares) and Mrs Jennifer Elizabeth Garrett (25–50% of shares).
Who runs LS Insurance Solutions?
Companies House lists one director of LS Insurance Solutions: Stuart Garrett.
How long has LS Insurance Solutions been in business?
The company was formed on 28 February 2023.
What do LS Insurance Solutions’ latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £103k (up £97.6k from £5,547).
Does LS Insurance Solutions use any other names?
It has previously used 2 other names: LS Expert Solutions Ltd and Stuart Garrett.

Sources and links

The full report on LS Insurance Solutions Ltd

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