Sophex Limited
Reference number: 457902
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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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Phone number
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Address
Insight Financial Associates Ltd, Insight House 7a, Alkmaar Way, Norwich, Norfolk, NR6 6BF, United Kingdom
In the full report: 3 background checks
- When lifetimefinancialsolutions.co.uk first appeared online, and whether it can receive email
- What kind of line 01603 268080 is, and the 7 other firms that give it
- Who else gives the postcode NR6 6BF
Other names (2)
If you were contacted under any of these names, it is this firm.
- Lifetime Financial Solutions Trading name: A name it trades under now.
- Sophex Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages · Arrange equity release FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (17 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on a home reversion plan
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on P2P agreements
- Advising on Pension Transfers and Pension Opt Outs
- Advising on regulated mortgage contracts
- Arranging (bringing about) a home reversion plan
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Making arrangements with a view to a home reversion plan
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
Limits on what they may do
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Restriction on activities relating to Non-Standard Assets
The firm must not, without the prior written consent of the Authority, carry on any activities relating to non-standard assets (other than VCTs, EISs and ITSs).
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
- 05882188 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 July 2006 (20 years old)
- Registered office
- Insight House, Alkmaar Way, Norwich, NR6 6BF, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jason Richard Howard | Director | Aug 1970 | 24 Apr 2024 | 38 other companies |
| Antony Peter Howard | Director | Jul 1972 | 24 Apr 2024 | 16 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
- 38
- closed down
- 5
- are FCA-registered
- 10
In the full report: all 38 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 10 on the FCA register, including one no longer authorised
- The 16 companies these 2 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£360k
+11% from £323k
Cash at bank
£37.5k
−37% from £59.4k
Owed within a year
£152k
+67% from £90.8k
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.
Accounts filed at Companies House for company 05882188. 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
Sophex’s history from the FCA register and Companies House, newest first.
2024
25 April 2024
- FCA imposed a requirement (Restriction on activities relating to Non-Standard Assets)
FCA register
24 April 2024
- Board replaced: all 3 directors left and 2 new directors took over
- Angela Dawn Couling stopped being a part-owner
- Ian Peter Couling stopped being a part-owner
- Insight Financial Associates Limited took control (75–100% of shares)
Companies House
2021
2 August 2021
- Changed its registered name from "Sophex Ltd"
FCA register
2016
6 April 2016
- Angela Dawn Couling became a part-owner (25–50% of shares)
- Ian Peter Couling became a part-owner (25–50% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2006
1 December 2006
- Became authorised by the FCA
FCA register
28 September 2006
- Regulated by the Financial Services Authority from this date
FCA register
20 July 2006
- Incorporated at Companies House
Companies House
In the full report: all 24 events
- All 24 events in its history (12 shown here)
- Every director appointment and resignation: 8
Firms connected to Sophex
Other FCA-listed firms that share a director, phone number or address with Sophex. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 8
- share a director
- 8
- share its phone number
- 7
In the full report: all 8 connected firms, named
- How each is linked: shared directors (8), the same phone number (7), the same postcode (8)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Firms like Sophex
Other firms of the same type (lender), nearest first.
In Norwich
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 Sophex
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 38 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 24 events in its history
- 8 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do Sophex’s latest accounts show?
Does Sophex use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk