PHL Insurance Brokers Limited

Reference number: 301732

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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 libertyblume.co first appeared online, and whether it can receive email
  • What kind of line 020 3974 6920 is
  • Who else gives the postcode N1C 4EW
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Other names (7)

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

  • FitPro Insurance Services Trading name
  • PHL Powered by Liberty Blume Trading name
  • Williams Insurance Management Limited Former name
  • PlastikCity Insurance Services Former trading name
  • Target Zero Insurance Former trading name
  • Wim Former trading name
  • Wimsure Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (7 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
  • Credit Broking
  • 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
04851546
Company status
Active
Company type
Private limited company
Incorporated
31 July 2003 (23 years old)
Registered office
120 Kings Road, London, SW3 4TR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Grahame Michael Lamb Director Apr 1965 2 Dec 2022 5 other companies
Richard John Packman Director Nov 1965 2 Dec 2022 5 other companies
Nelson Arturo Castellanos Rios Director May 1989 13 Apr 2026 None
Richard Simon Thompson Director Jun 1987 26 Jun 2026 6 other companies
Grahame Michael Lamb Secretary Not published 2 Dec 2022 –

Other companies run by these 4 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
14
closed down
1
are FCA-registered
2

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 2 companies these 4 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

£107k

No earlier figure to compare

Cash at bank

£152k

+252% from £43.2k

Employees (average)

2

−33% from 3

Owed within a year

£384k

+423% from £73.4k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2024
  • 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 04851546. 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

PHL Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (13) All events (44)

2025

31 July 2025

  • Liberty Blume Limited took control (75–100% of shares)
  • Phl Group Holdings Limited gave up control

Companies House

2023

3 January 2023

  • Changed its registered name from "Williams Insurance Management Limited"

FCA register

2022

2 December 2022

  • Board replaced: both directors left and 3 new directors took over
  • Mark Reynish Williams no longer has significant control
  • Phl Group Holdings Limited took control (75–100% of shares)
  • Williams Insurance Group Ltd gave up control

Companies House

2018

27 July 2018

  • Williams Insurance Group Ltd took control (75–100% of shares)

Companies House

2016

28 July 2016

  • Mark Reynish Williams gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2003

31 July 2003

  • Incorporated at Companies House

Companies House

In the full report: all 44 events

  • All 44 events in its history (13 shown here)
  • Every director appointment and resignation: 18
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Firms connected to PHL Insurance Brokers

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

past links
2

In the full report: all 0 connected firms, named

  • 2 past links through former directors
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Firms like PHL Insurance Brokers

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

In London

Amazon EU S.a.r.l.LondonAuthorisedRevolut Travel LtdLondonAuthorisedSantander Insurance Services UK LimitedLondonAuthorisedAon UK LimitedLondonAuthorisedHartford Underwriting Agency LimitedLondonAuthorisedChubb Underwriting Agencies LimitedLondonAuthorised

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 PHL Insurance Brokers

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 44 events in its history

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Frequently asked questions about this firm

Is PHL Insurance Brokers Limited FCA authorised?
Yes, PHL Insurance Brokers Limited (FRN 301732) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is PHL Insurance Brokers’ phone number and website?
The FCA register lists the phone number 020 3974 6920 and the website libertyblume.co/our-solutions/insurance for PHL Insurance Brokers. If you were given different contact details, use these to check with the firm before going any further.
Is PHL Insurance Brokers a scam or clone?
PHL Insurance Brokers 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 PHL Insurance Brokers?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about PHL Insurance Brokers to the Financial Ombudsman Service, free of charge.
Who owns PHL Insurance Brokers?
PHL Insurance Brokers is owned by Liberty Blume Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 July 2025. Before that, it was controlled by Phl Group Holdings Limited, Williams Insurance Group Ltd and Mr Mark Reynish Williams.
Who runs PHL Insurance Brokers?
Companies House lists 4 directors of PHL Insurance Brokers: Grahame Michael Lamb, Richard John Packman, Nelson Arturo Castellanos Rios and Richard Simon Thompson.
How long has PHL Insurance Brokers been in business?
The company was formed on 31 July 2003, and has held its current FCA authorisation since January 2005.
What do PHL Insurance Brokers’ latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £107k (no earlier figure to compare) and cash at bank of £152k (+252% from £43.2k).
Does PHL Insurance Brokers use any other names?
It trades as FitPro Insurance Services and PHL Powered by Liberty Blume. It has previously used 5 other names, including Williams Insurance Management Limited, PlastikCity Insurance Services and Target Zero Insurance.

Sources and links

The full report on PHL Insurance Brokers Limited

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