Planet Protection Ltd: FCA regulated?

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.

Appointed for 1 year
Protected through the principal
No FCA actions
Active company since 2024
Accounts filed up to 31 January 2026

Responsible principal firm

Innovative Risk Labs Ltd Reference number: 609155 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.
Planet Protection Ltd (FRN 1019952) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Planet Protection's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Planet Protection, 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.

Website

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

07444 434881
Address

200 X+Why, Unity Place, 200 Grafton Gate, Milton Keynes, Milton Keynes, MK9 1UP, United Kingdom

In the full report: 3 background checks

When planetprotection.co.uk first appeared online, and whether it can receive email
What kind of line 07444 434881 is, and the other firm that gives it
Who else gives the postcode MK9 1UP

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Innovative Risk Labs 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: 15384818 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 January 2024 (2 years old)
Registered office: 200 X+Why, Unity Place, 200 Grafton Gate, Milton Keynes, MK9 1UP, England
Nature of business: Other information technology service activities (SIC 62090)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ewan Timothy Rayment	Director	Jun 1983	3 Jan 2024	None
Daniel Prescott	Director	Jun 1983	10 May 2024	1 other company
Gwilym Charles Pugh	Director	May 1984	18 Jul 2024	None

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 company: 1
closed down: 1

In the full report: all 1 company, 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

Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£35.6k

−61% from £91.5k

Employees (average)

3

+200% from 1

Owed within a year

£22.8k

+11% from £20.5k

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 15384818. 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

Planet Protection’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2024

27 November 2024

Became an appointed representative

FCA register

3 January 2024

Incorporated at Companies House
Gwilym Charles Pugh took control (75–100% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms connected to Planet Protection

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

connected firms: 2
share its phone number: 1
share its postcode: 1

In the full report: all 2 connected firms, named

How each is linked: the same phone number (1), the same postcode (1)
Who links each one: the named directors, with dates

Firms like Planet Protection

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

In Milton Keynes

Scania Finance Great Britain LimitedMilton KeynesAppointed representative Connells ResidentialMilton KeynesAppointed representative A J Mobility LtdMilton KeynesAppointed representative Accessible Insurance Services LTDMilton KeynesAppointed representative Accord Insurance Brokers LtdMilton KeynesAppointed representative Amanda Bish-JonesMilton KeynesAppointed 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 Planet Protection

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
3 background checks on its contact details
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Planet Protection Ltd FCA authorised?

Planet Protection Ltd (FRN 1019952) 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 Planet Protection?

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. Planet Protection Ltd (FRN 1019952) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Planet Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Planet Protection, 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 Planet Protection’s phone number and website?

The FCA register lists the phone number 07444 434881 and the website planetprotection.co.uk for Planet Protection. 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 one other FCA firm.

Is Planet Protection a scam or clone?

Planet Protection 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 Planet Protection?

Protection works through Innovative Risk Labs Ltd, the principal firm responsible for Planet Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Planet Protection?

Companies House lists one person with significant control of Planet Protection: Gwilym Charles Pugh (75–100% of shares).

Who runs Planet Protection?

Companies House lists 3 directors of Planet Protection: Ewan Timothy Rayment, Daniel Prescott and Gwilym Charles Pugh.

How long has Planet Protection been in business?

The company was formed on 3 January 2024.

What do Planet Protection’s latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of £35.6k (−61% from £91.5k).