SJM Healthcare Solutions Ltd

Reference number: 578578

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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

WPA Healthcare Practice Plc Reference number: 757721 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.
  • SJM Healthcare Solutions Ltd (FRN 578578) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use SJM Healthcare Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SJM Healthcare Solutions, 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 wpa.org.uk first appeared online, and whether it can receive email
  • What kind of line 028 4066 0883 is
  • Who else gives the postcode BT32 3RD
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Other names (1)

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

  • Stephen McGarry Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through WPA Healthcare Practice PLC, 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
NI698368
Company status
Active
Company type
Private limited company
Incorporated
21 June 2023 (3 years old)
Registered office
6 Ravenswood, Banbridge, BT32 3RD, Northern Ireland
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen John Mc Garry Director May 1967 21 Jun 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£132k

+100% from £66.0k

Cash at bank

£178k

+85% from £96.0k

Employees (average)

1

Same as 1

Owed within a year

£45.7k

+53% from £30.0k

Net assets

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 NI698368. Figures are exactly as filed; nothing is estimated.

Key dates in its history

SJM Healthcare Solutions’s history from the FCA register and Companies House, newest first.

2023

25 July 2023

  • Changed its registered name from "Stephen McGarry"

FCA register

21 June 2023

  • Incorporated at Companies House
  • Stephen John Mc Garry took control (75–100% of shares)
  • Stephen John Mc garry appointed as a director

Companies House

2012

29 March 2012

  • Became an appointed representative

FCA register

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

Firms like SJM Healthcare Solutions

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

In Banbridge

Select Brokers LtdBanbridgeAuthorised

In the Belfast (BT) postcode area

Concept Apps LtdBelfastAppointed representativeHealthcare Insurance (NI) LtdBangorAppointed representativeHeather McKenzieCraigavonAppointed representativePrivate Health Insurance Services LtdBangorAppointed representativeUel CampbellBallyclareAppointed 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 SJM Healthcare Solutions

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 5 events in its history

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Frequently asked questions about this firm

Is SJM Healthcare Solutions Ltd FCA authorised?
SJM Healthcare Solutions Ltd (FRN 578578) 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 SJM Healthcare Solutions?
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. SJM Healthcare Solutions Ltd (FRN 578578) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use SJM Healthcare Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SJM Healthcare Solutions, 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 SJM Healthcare Solutions’ phone number and website?
The FCA register lists the phone number 028 4066 0883 and the website wpa.org.uk/stephenmcgarry for SJM Healthcare Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is SJM Healthcare Solutions a scam or clone?
SJM Healthcare Solutions 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 SJM Healthcare Solutions?
Protection works through WPA Healthcare Practice PLC, the principal firm responsible for SJM Healthcare Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns SJM Healthcare Solutions?
Companies House lists one person with significant control of SJM Healthcare Solutions: Mr Stephen John Mc Garry (75–100% of shares).
Who runs SJM Healthcare Solutions?
Companies House lists one director of SJM Healthcare Solutions: Stephen John Mc Garry.
How long has SJM Healthcare Solutions been in business?
The company was formed on 21 June 2023.
What do SJM Healthcare Solutions’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £132k (+100% from £66.0k) and cash at bank of £178k (+85% from £96.0k).
Does SJM Healthcare Solutions use any other names?
It has previously used the name Stephen McGarry.

Sources and links

The full report on SJM Healthcare Solutions Ltd

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