Sentio Insurance Brokers Limited

Reference number: 755760

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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

Movo Partnership Ltd Reference number: 823503 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.
  • Sentio Insurance Brokers Limited (FRN 755760) is an AR of Movo Partnership Ltd (FRN 823503). When you use Sentio Insurance Brokers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sentio Insurance 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 sentioinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 366 0007 is, and the other firm that gives it
  • Who else gives the postcode WR9 8ED
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Other names (7)

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

  • Sentio Care & Charity Trading name
  • Sentio East Midlands Trading name
  • Sentio Hospitality Trading name
  • Sentio Private Clients Trading name
  • Sentio Real Estate Trading name
  • Sentio Salons Trading name
  • Sentio Therapy & Wellbeing Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Movo Partnership 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
08892111
Company status
Active
Company type
Private limited company
Incorporated
12 February 2014 (12 years old)
Registered office
The Oakley, Kidderminster Road, Droitwich, Worcestershire, WR9 9AY, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Damian Francis Waltier Director Mar 1964 12 Feb 2014 6 other companies
Caroline Jane Fairclough Director Oct 1982 13 Oct 2016 5 other companies

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
10
closed down
5
is FCA-registered
1

In the full report: all 10 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
  • The one on the FCA register
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£50.2k

+8.2% from £46.4k

Cash at bank

£111k

+13% from £98.2k

Owed within a year

£227k

+51% from £150k

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
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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.

Accounts filed at Companies House for company 08892111. 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

Sentio Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (7) All events (20)

2022

26 May 2022

  • Caroline Jane Fairclough stopped being a part-owner
  • Richard Damian Francis Waltier stopped being the majority owner
  • Sentio Holdings Limited took control (75–100% of shares)

Companies House

2017

27 March 2017

  • Caroline Jane Fairclough became a part-owner (25–50% of shares)

Companies House

2016

11 August 2016

  • Became an appointed representative

FCA register

6 April 2016

  • Richard Damian Francis Waltier became the majority owner (50–75% of shares)

Companies House

2014

12 February 2014

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Sentio Insurance Brokers

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Sentio Insurance Brokers

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

In Droitwich

Andrew LloydDroitwichAppointed representativeJ P Hill & L R SapwellDroitwichAppointed representativeMacArthur Barstow & Gibbs LimitedDroitwichAppointed representativeSentio Salons LimitedDroitwichAppointed representativeThe Mortgage Vault LimitedDroitwichAppointed representativeMystic Isle Travel LimitedDroitwichAppointed 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 Sentio Insurance Brokers

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Sentio Insurance Brokers Limited FCA authorised?
Sentio Insurance Brokers Limited (FRN 755760) 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 Sentio Insurance 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. Sentio Insurance Brokers Limited (FRN 755760) is an AR of Movo Partnership Ltd (FRN 823503). When you use Sentio Insurance Brokers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sentio Insurance 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 Sentio Insurance Brokers’ phone number and website?
The FCA register lists the phone number 0333 366 0007 and the website sentioinsurance.co.uk for Sentio Insurance Brokers. 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 Sentio Insurance Brokers a scam or clone?
Sentio Insurance 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 Sentio Insurance Brokers?
Protection works through Movo Partnership Ltd, the principal firm responsible for Sentio Insurance Brokers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sentio Insurance Brokers?
Sentio Insurance Brokers is owned by Sentio Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 May 2022. Before that, it was controlled by Mrs Caroline Jane Fairclough and Mr Richard Damian Francis Waltier.
Who runs Sentio Insurance Brokers?
Companies House lists 2 directors of Sentio Insurance Brokers: Richard Damian Francis Waltier and Caroline Jane Fairclough.
How long has Sentio Insurance Brokers been in business?
The company was formed on 12 February 2014.
What do Sentio Insurance Brokers’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £50.2k (+8.2% from £46.4k) and cash at bank of £111k (+13% from £98.2k).
Does Sentio Insurance Brokers use any other names?
It trades as Sentio Care & Charity, Sentio East Midlands, Sentio Hospitality, Sentio Private Clients and Sentio Real Estate, and 2 more names.

Sources and links

The full report on Sentio Insurance Brokers Limited

£19.99 · Instant PDF download

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