SME HCI Limited

Reference number: 935845

Instant download

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

Holiday Extras Cover Limited Reference number: 828848 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.
  • SME HCI Limited (FRN 935845) is an AR of Holiday Extras Cover Limited (FRN 828848). When you use SME HCI's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SME HCI, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 perkbox.com first appeared online, and whether it can receive email
  • What kind of line 07951 793629 is, and the 2 other firms that give it
  • Who else gives the postcode EC4Y 8EN
Instant PDF download
Other names (3)

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

  • Perkbox Trading name
  • Vivup Trading name
  • SME HCI Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Holiday Extras Cover 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
05558651
Company status
Active
Company type
Private limited company
Incorporated
9 September 2005 (21 years old)
Registered office
3 Dorset Rise, London, EC4Y 8EN, England
Nature of business
  • Other retail sale not in stores, stalls or markets (SIC 47990)

Directors and company secretaries

Name Role Born Appointed Other companies
Mats Heimes Director Jan 1992 30 Jun 2024 13 other companies
Doug Butler Director Aug 1964 30 Jun 2024 9 other companies
Andrew Cavalier Loucks Director Jun 1982 30 Jun 2024 16 other companies
Rebecca Patricia Hooley Director Nov 1981 25 Nov 2024 5 other companies

Other companies run by these 4 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
16
still active
16
are FCA-registered
7

In the full report: all 16 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 on the FCA register, including one no longer authorised
  • The 16 companies these 4 directors run together
  • All 17 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Sme Hci’s history from the FCA register and Companies House, newest first.

Key events (10) All events (41)

2025

5 September 2025

  • Beneficium Bidco Limited took control (75–100% of shares)
  • Merces Bidco Limited gave up control

Companies House

2024

31 January 2024

  • Changed its registered name from "SME HCI Ltd"

FCA register

2022

7 December 2022

  • Jane Yvonne Davis gave up control
  • Merces Bidco Limited took control (75–100% of shares)

Companies House

2020

8 October 2020

  • Became an appointed representative

FCA register

2019

31 May 2019

  • Jane Yvonne Davis took control (75–100% of shares)
  • Michael James Davis stopped being a part-owner

Companies House

2016

6 April 2016

  • Michael James Davis became a part-owner (25–50% of shares)

Companies House

2005

9 September 2005

  • Incorporated at Companies House

Companies House

In the full report: all 41 events

  • All 41 events in its history (10 shown here)
  • Every director appointment and resignation: 28
Instant PDF download

Firms connected to Sme Hci

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

connected firms
2
share its phone number
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Get the full report on Sme Hci

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

  • 16 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 41 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 SME HCI Limited FCA authorised?
SME HCI Limited (FRN 935845) 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 Sme Hci?
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. SME HCI Limited (FRN 935845) is an AR of Holiday Extras Cover Limited (FRN 828848). When you use Sme Hci's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sme Hci, 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 Sme Hci’s phone number and website?
The FCA register lists the phone number 07951 793629 and the website perkbox.com for Sme Hci. 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 2 other FCA firms.
Is Sme Hci a scam or clone?
Sme Hci 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 Sme Hci?
Protection works through Holiday Extras Cover Limited, the principal firm responsible for Sme Hci's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sme Hci?
Sme Hci is owned by Beneficium Bidco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 5 September 2025. Before that, it was controlled by Ms Jane Yvonne Davis, Merces Bidco Limited and Mr Michael James Davis.
Who runs Sme Hci?
Companies House lists 4 directors of Sme Hci: Mats Heimes, Doug Butler, Andrew Cavalier Loucks and Rebecca Patricia Hooley.
How long has Sme Hci been in business?
The company was formed on 9 September 2005.
Does Sme Hci use any other names?
It trades as Perkbox and Vivup. It has previously used the name SME HCI Ltd.

Sources and links

The full report on SME HCI Limited

£19.99 · Instant PDF download

Loading secure checkout…