M&L Healthcare Solutions Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 5 years
Your funds are protected by FSCS
No FCA actions
Active company since 2009
Accounts filed up to 31 March 2026

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.

Website

mlhs.co.uk (opens in a new tab)
Phone number

01223 881779
Address

M & L Healthcare Solutions, Ash House, Breckenwood Road, Fulbourn, Cambridge, Cambridgeshire, CB21 5DQ, United Kingdom

In the full report: 3 background checks

When mlhs.co.uk first appeared online, and whether it can receive email
What kind of line 01223 881779 is
Who else gives the postcode CB21 5DQ

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.
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 (6 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
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: 07041746 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 October 2009 (17 years old)
Registered office: 80 Compair Crescent, Ipswich, Suffolk, IP2 0EH, United Kingdom
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nicola Lively	Director	Dec 1971	14 Oct 2009	1 other company
Simon Lively	Director	Jan 1972	14 Oct 2009	1 other company
Stephen Laurence Maguire	Director	Dec 1967	15 Oct 2011	2 other companies

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: 2
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

Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Net assets

£411k

−41% from £700k

Cash at bank

£101k

−68% from £312k

Owed within a year

£336k

+16% from £291k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, over every year
Every filed figure, year by year

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 07041746. 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

M&L Healthcare Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2021

12 July 2021

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

FCA register

2016

6 April 2016

Simon Lively became a part-owner (25–50% of shares)
Stephen Laurence Maguire became a part-owner (25–50% of shares)

Companies House

2009

14 October 2009

Incorporated at Companies House

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to M&L Healthcare Solutions

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like M&L Healthcare Solutions

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

In Cambridge

A.Y.S Financial ServicesCambridgeAuthorised Aguila Risk Management LimitedCambridgeAuthorised BH Protection LtdCambridgeAuthorised Cambridge Art Insurance LimitedCambridgeAuthorised Markham Private Clients LtdCambridgeAuthorised One Broker (Cambridge) LtdCambridgeAuthorised

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 M&L Healthcare Solutions

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
3 background checks on its contact details
7 years of accounts, charted
All 9 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is M&L Healthcare Solutions Limited FCA authorised?

Yes, M&L Healthcare Solutions Limited (FRN 943748) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2021 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is M&L Healthcare Solutions’ phone number and website?

The FCA register lists the phone number 01223 881779 and the website mlhs.co.uk for M&L Healthcare Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is M&L Healthcare Solutions a scam or clone?

M&L Healthcare 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 M&L Healthcare Solutions?

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 M&L Healthcare Solutions to the Financial Ombudsman Service, free of charge.

Who owns M&L Healthcare Solutions?

Companies House lists 2 people with significant control of M&L Healthcare Solutions: Mr Simon Lively (25–50% of shares) and Mr Stephen Laurence Maguire (25–50% of shares).

Who runs M&L Healthcare Solutions?

Companies House lists 3 directors of M&L Healthcare Solutions: Nicola Lively, Simon Lively and Stephen Laurence Maguire.

How long has M&L Healthcare Solutions been in business?

The company was formed on 14 October 2009, and has held its current FCA authorisation since July 2021.

What do M&L Healthcare Solutions’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £411k (−41% from £700k) and cash at bank of £101k (−68% from £312k).