Protection Refined Limited

Reference number: 841050

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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 protection-experts.co.uk first appeared online, and whether it can receive email
  • What kind of line 07952 866240 is
  • Who else gives the postcode BH1 4HN
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Other names (3)

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

  • Bocay Trading name: A name it trades under now.
  • Bocay.co.uk Trading name: A name it trades under now.
  • Protection Experts Trading name: A name it trades under now.

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.
  • 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 (3 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • 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 status
Active
Company type
Private limited company
Incorporated
20 July 2017 (9 years old)
Registered office
Unit 2, Churchill Court,, 33 Palmerston Road, Bournemouth, BH1 4HN, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)
  • Activities of call centres (SIC 82200)

Directors and company secretaries

Name Role Born Appointed Other companies
Roger Paul Maurins Director Aug 1985 20 Jul 2017 1 other company
Harry Michel Ramburn Director Nov 1979 20 Jul 2017 2 other companies
Yannick Askurn Director Jul 1984 11 Jul 2019 1 other company
Bradley Witt Director Jun 1989 11 Jul 2019 None

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
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 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Total equity

£62.8k

+135% from £26.7k

Employees (average)

23

+15% from 20

Owed within a year

£243k

+23% from £197k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • 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 10875201. 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

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

2019

1 July 2019

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

FCA register

8 February 2019

  • Bradley Witt became a part-owner (25–50% of shares)

Companies House

2018

15 January 2018

  • Kieran Mark Wood stopped being a part-owner

Companies House

2017

20 July 2017

  • Incorporated at Companies House
  • Harry Michel Ramburn became a part-owner (25–50% of shares)
  • Kieran Mark Wood became a part-owner (25–50% of shares)
  • Roger Paul Maurins became a part-owner (25–50% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Protection Refined

Other FCA-listed firms that share a director, phone number or address with Protection Refined. 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
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Firms like Protection Refined

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

In Bournemouth

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 Protection Refined

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
  • 8 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Protection Refined Limited FCA authorised?
Yes, Protection Refined Limited (FRN 841050) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2019 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Protection Refined’s phone number and website?
The FCA register lists the phone number 07952 866240 and the website protection-experts.co.uk for Protection Refined. If you were given different contact details, use these to check with the firm before going any further.
Is Protection Refined a scam or clone?
Protection Refined 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 Protection Refined?
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 Protection Refined to the Financial Ombudsman Service, free of charge.
Who owns Protection Refined?
Companies House lists 3 people with significant control of Protection Refined: Mr Bradley Witt (25–50% of shares), Mr Harry Michel Ramburn (25–50% of shares) and Mr Roger Paul Maurins (25–50% of shares). Before that, it was controlled by Mr Kieran Mark Wood.
Who runs Protection Refined?
Companies House lists 4 directors of Protection Refined: Roger Paul Maurins, Harry Michel Ramburn, Yannick Askurn and Bradley Witt.
How long has Protection Refined been in business?
The company was formed on 20 July 2017, and has held its current FCA authorisation since July 2019.
What do Protection Refined’s latest accounts show?
Its latest accounts, to 31 July 2026, show total equity of £62.8k (+135% from £26.7k).
Does Protection Refined use any other names?
It trades as Bocay, Bocay.co.uk and Protection Experts.

Sources and links

The full report on Protection Refined Limited

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