S.U.V.ME 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 7 years
Protected through the principal
No FCA actions
Active company since 2019
Accounts filed up to 31 December 2025
On its latest accounts it owed £90.8k more than it owned

Responsible principal firm

Automotive Compliance Limited Reference number: 497010 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.
S.U.V.ME Ltd (FRN 841843) is an AR of Automotive Compliance Limited (FRN 497010). When you use S.U.V.ME's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from S.U.V.ME, 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

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

01403 282080
Address

Solo House, London Road, Horsham, RH12 1AT, United Kingdom

In the full report: 3 background checks

When justsuv.co.uk first appeared online, and whether it can receive email
What kind of line 01403 282080 is, and the other firm that gives it
Who else gives the postcode RH12 1AT

Other names (1)

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

justSUV Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Automotive Compliance 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: 11913377 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 March 2019 (7 years old)
Registered office: Solo House, London Road, Horsham, RH12 1AT, England
Nature of business: Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
James Thorpe	Director	Feb 1976	29 Mar 2019	1 other company

Other companies run by its director

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
still active: 1

In the full report: all 1 company, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£90.8k

Up £70.5k from −£161k

Cash at bank

£734

Up £130 from £604

Employees (average)

2

Same as 2

Owed within a year

£200k

+72% from £116k

Net assets are negative: on its last balance sheet the company owed £90.8k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 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 11913377. 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

S.u.v.me’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2019

13 May 2019

Became an appointed representative

FCA register

29 March 2019

Incorporated at Companies House
James Thorpe 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 S.u.v.me

Other FCA-listed firms that share a director, phone number or address with S.u.v.me. 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 S.u.v.me

Other firms of the same type (car dealer), nearest first.

In the Redhill (RH) postcode area

Altus Consultants LimitedHorleyAppointed representative Arun Prestige LimitedPulboroughAppointed representative Azur Auto LimitedPulboroughAppointed representative Brook & Churches Bros.limitedCrawleyAppointed representative Car2Car LtdHorshamAppointed representative Daisy's Car CompanyEast GrinsteadAppointed 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 S.u.v.me

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
7 years of accounts, charted
All 7 events in its history
2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is S.U.V.ME Ltd FCA authorised?

S.U.V.ME Ltd (FRN 841843) 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 S.u.v.me?

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. S.U.V.ME Ltd (FRN 841843) is an AR of Automotive Compliance Limited (FRN 497010). When you use S.u.v.me's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from S.u.v.me, 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 S.u.v.me’s phone number and website?

The FCA register lists the phone number 01403 282080 and the website justsuv.co.uk for S.u.v.me. 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 S.u.v.me a scam or clone?

S.u.v.me 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 S.u.v.me?

Protection works through Automotive Compliance Limited, the principal firm responsible for S.u.v.me's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns S.u.v.me?

Companies House lists one person with significant control of S.u.v.me: Mr James Thorpe (75–100% of shares).

Who runs S.u.v.me?

Companies House lists one director of S.u.v.me: James Thorpe.

How long has S.u.v.me been in business?

The company was formed on 29 March 2019.

What do S.u.v.me’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£90.8k (up £70.5k from −£161k) and cash at bank of £734 (up £130 from £604).

Does S.u.v.me use any other names?

It trades as justSUV.