Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 6 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 October 2025
Responsible principal firm
First Business Finance (UK) Ltd Reference number: 685879 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- RH&P LTD (FRN 929807) introduces customers to First Business Finance (UK) Ltd (FRN 685879). Any regulated advice or arranging is done by the principal, not RH&P.
- Example: if RH&P refers you to a financial adviser, the advice should come from the principal firm, not from RH&P itself.
- 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.
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No website on the FCA register
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Phone number
-
Address
37 Charter Approach, Warwick, CV34 6AE, United Kingdom
In the full report: 2 background checks
- What kind of line 07903 229955 is
- Who else gives the postcode CV34 6AE
Other names (1)
If you were contacted under any of these names, it is this firm.
- Element Coffee Company Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Business Finance (UK) 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, freeYou 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
- 11014498 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 October 2017 (9 years old)
- Registered office
- 37 Charter Approach, Warwick, CV34 6AE, United Kingdom
- Nature of business
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- Production of coffee and coffee substitutes (SIC 10832)
- Wholesale of coffee, tea, cocoa and spices (SIC 46370)
- Retail sale via stalls and markets of food, beverages and tobacco products (SIC 47810)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rafael Hernandez Portela | Director | Apr 1980 | 31 Jan 2018 | 3 other companies |
| Lisa Jayne White De Hernandez | Director | Mar 1981 | 22 Nov 2019 | 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
- 3
- still active
- 3
In the full report: all 3 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£10.9k
<1% from £10.9k
Employees (average)
2
Same as 2
Owed within a year
£43.3k
+27% from £34.1k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 11014498. 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
Rh&p’s history from the FCA register and Companies House, newest first.
2023
20 March 2023
- Lisa Jayne White De Hernandez became a part-owner (25–50% of shares)
Companies House
2020
14 July 2020
- Became an introducer appointed representative
FCA register
2018
31 January 2018
- Lisa Jayne White De Hernandez gave up control
- Rafael Hernandez Portela took control (50–75% of shares)
Companies House
2017
16 October 2017
- Incorporated at Companies House
- Lisa Jayne White De Hernandez took control (75–100% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (6 shown here)
- Every director appointment and resignation: 4
Firms like Rh&p
Other firms of the same type (retailer), nearest first.
In Warwick
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 Rh&p
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk