TR Health Limited: FCA regulated?

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.

Appointed for 3 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 December 2025

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.
TR Health Limited (FRN 990983) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use TR Health's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from TR Health, 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.

Website

wpa.org.uk/luketownsend (opens in a new tab)
Phone number

07494 076805
Address

Premier House, Elgar Business Centre, Moseley Road, Hallow, Worcester, Worcestershire, WR2 6NJ, United Kingdom

In the full report: 3 background checks

When wpa.org.uk first appeared online, and whether it can receive email
What kind of line 07494 076805 is
Who else gives the postcode WR2 6NJ

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: 14507702 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 November 2022 (3 years old)
Registered office: Premier House Elgar Business Centre Moseley Road, Hallow, Worcester, WR2 6NJ, England
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Graham John Ross	Director	May 1978	25 Nov 2022	5 other companies
Luke William Townsend	Director	Feb 1970	25 Nov 2022	2 other companies
Glen Craig Mcculloch	Director	Oct 1994	25 Sep 2025	1 other company

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: 7
closed down: 2
run together: 1

In the full report: all 7 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 1 company these 3 directors run together

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£2,019

−57% from £4,675

Employees (average)

3

Same as 3

Owed within a year

£21.9k

+77% from £12.4k

Assets and liabilities

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 14507702. 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

TR Health’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2023

1 February 2023

Became an appointed representative

FCA register

2022

25 November 2022

Incorporated at Companies House
Graham John Ross became a part-owner (25–50% of shares)
Luke William Townsend became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms connected to TR Health

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like TR Health

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

In Worcester

K3 Health LtdWorcesterAppointed representative 4U2B LimitedWorcesterAppointed representative Herefordshire and Worcestershire Chamber of CommerceWorcesterAppointed representative Kathryn Louise BurfittWorcesterAppointed representative Market Technology LtdWorcesterAppointed representative Mortgageexpertsuk LtdWorcesterAppointed 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 TR Health

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

7 other companies its directors have run, named
3 background checks on its contact details
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is TR Health Limited FCA authorised?

TR Health Limited (FRN 990983) 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 TR Health?

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. TR Health Limited (FRN 990983) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use TR Health's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TR Health, 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 TR Health’s phone number and website?

The FCA register lists the phone number 07494 076805 and the website wpa.org.uk/luketownsend for TR Health. If you were given different contact details, use these to check with the firm before going any further.

Is TR Health a scam or clone?

TR Health 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 TR Health?

Protection works through WPA Healthcare Practice PLC, the principal firm responsible for TR Health's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns TR Health?

Companies House lists 2 people with significant control of TR Health: Mr Graham John Ross (25–50% of shares) and Mr Luke William Townsend (25–50% of shares).

Who runs TR Health?

Companies House lists 3 directors of TR Health: Graham John Ross, Luke William Townsend and Glen Craig McCulloch.

How long has TR Health been in business?

The company was formed on 25 November 2022.

What do TR Health’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £2,019 (−57% from £4,675).