Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 1992
- Accounts filed up to 30 September 2025
Responsible principal firm
CLEAR INSURANCE MANAGEMENT LIMITED Reference number: 307982 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Southern Funding Limited (FRN 977692) introduces customers to CLEAR INSURANCE MANAGEMENT LIMITED (FRN 307982). Any regulated advice or arranging is done by the principal, not Southern Funding.
- Example: if Southern Funding refers you to a financial adviser, the advice should come from the principal firm, not from Southern Funding itself.
- 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.
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No website on the FCA register
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Phone number
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Address
1st Floor,, Health Aid House, Marlborough Hill, Harrow, Middlesex, HA1 1UD, United Kingdom
In the full report: 2 background checks
- What kind of line 020 8905 2277 is
- Who else gives the postcode HA1 1UD
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Clear Insurance Management 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, freeYou 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
- 02679464 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 January 1992 (34 years old)
- Registered office
- 2 Imperial Place, Maxwell Road, Borehamwood, Hertfordshire, WD6 1JN, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Brian Leslie Rubins | Director | Dec 1939 | 28 Jan 1992 | 31 other companies |
| Jonathan Rubins | Director | May 1967 | 27 Nov 1997 | 80 other companies |
| Stephen Daniel Meller | Director | Sep 1967 | 17 Sep 2012 | 41 other companies |
| Laxmi Sivasubramanian | Secretary | Not published | 5 Aug 2022 | – |
Other companies run by these 3 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
- 107
- closed down
- 69
- are FCA-registered
- 2
In the full report: all 107 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
- The 29 companies these 3 directors run together
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£392k
+408% from £77.1k
Total equity
£20.2k
−79% from £94.1k
Cash at bank
£22.6k
+10% from £20.5k
Owed within a year
£1.58m
+23% from £1.29m
The accounts for the year to 30 September 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £4.02m, for the year to 30 September 2024.
Turnover and profit
In the full report: all 4 years of accounts
- Every year from 2022 to 2025
- Both charts, 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 02679464. 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
Southern Funding’s history from the FCA register and Companies House, newest first.
2022
20 June 2022
- Became an introducer appointed representative
FCA register
2016
6 April 2016
- Southern Group Limited took control (75–100% of shares)
Companies House
1992
21 January 1992
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (3 shown here)
- Every director appointment and resignation: 15
Firms connected to Southern Funding
Other FCA-listed firms that share a director, phone number or address with Southern Funding. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2)
- Who links each one: the named directors, with dates
Firms like Southern Funding
Other firms of the same type (insurance broker), nearest first.
In Harrow
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 Southern Funding
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 107 other companies its directors have run, named
- 2 background checks on its contact details
- 4 years of accounts, charted
- All 18 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk