Pure Health Brokers Limited

Reference number: 1023187

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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

Health Net Services Limited Reference number: 312313 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.
  • Pure Health Brokers Limited (FRN 1023187) is an AR of Health Net Services Limited (FRN 312313). When you use Pure Health Brokers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pure Health Brokers, 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.

In the full report: 3 background checks

  • When purehealthbrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 07939 842448 is
  • Who else gives the postcode B77 4FQ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Health Net Services Limited, 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
15467255
Company status
Active
Company type
Private limited company
Incorporated
5 February 2024 (2 years old)
Registered office
10 Broomyshaw Close, Amington, Tamworth, B77 4FQ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul William Joseph Cardus Director Feb 1985 5 Feb 2024 4 other companies
Shermin Valdezco Cardus Director Dec 1984 5 Feb 2024 None

Other companies run by these 2 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
4
closed down
3
still active
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 28 February 2026Micro-entity accountsNot audited

Net assets

−£15.9k

Down £7,678 from −£8,200

Employees (average)

1

Same as 1

Owed within a year

£0

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £15.9k more than it owned.

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 15467255. 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

Pure Health Brokers’s history from the FCA register and Companies House, newest first.

2025

8 January 2025

  • Became an appointed representative

FCA register

2024

5 February 2024

  • Incorporated at Companies House
  • Paul William Joseph Cardus became a part-owner (25–50% of shares)
  • Shermin Valdezco Cardus became the majority owner (50–75% of shares)
  • Paul William Joseph Cardus appointed as a director
  • Shermin Valdezco Cardus appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Pure Health Brokers

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

In Tamworth

Taylor Cole Estate Agents LtdTamworthAppointed representativeRedbrain LimitedTamworthAppointed representativeWilson's Veterinary Practice LimitedTamworthAppointed representativeBravo Benefits LimitedTamworthAuthorisedPrizm Solutions LtdTamworthAuthorisedShire Insurance Services LimitedTamworthAuthorised

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 Pure Health Brokers

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Pure Health Brokers Limited FCA authorised?
Pure Health Brokers Limited (FRN 1023187) 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 Pure Health Brokers?
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. Pure Health Brokers Limited (FRN 1023187) is an AR of Health Net Services Limited (FRN 312313). When you use Pure Health Brokers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pure Health Brokers, 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 Pure Health Brokers’ phone number and website?
The FCA register lists the phone number 07939 842448 and the website purehealthbrokers.co.uk for Pure Health Brokers. If you were given different contact details, use these to check with the firm before going any further.
Is Pure Health Brokers a scam or clone?
Pure Health 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 Pure Health Brokers?
Protection works through Health Net Services Limited, the principal firm responsible for Pure Health Brokers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pure Health Brokers?
Companies House lists 2 people with significant control of Pure Health Brokers: Mrs Shermin Valdezco Cardus (50–75% of shares) and Mr Paul William Joseph Cardus (25–50% of shares).
Who runs Pure Health Brokers?
Companies House lists 2 directors of Pure Health Brokers: Paul William Joseph Cardus and Shermin Valdezco Cardus.
How long has Pure Health Brokers been in business?
The company was formed on 5 February 2024.
What do Pure Health Brokers’ latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of −£15.9k (down £7,678 from −£8,200).

Sources and links

The full report on Pure Health Brokers Limited

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