UBT (EU) Ltd

Reference number: 922888

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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.

In the full report: 3 background checks

  • When ubtprotect.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 055 5500 is, and the other firm that gives it
  • Who else gives the postcode CV34 6BY
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Other names (2)

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

  • Protect Risk Management Trading name
  • UBT Protect Trading name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (4 permissions)
  • Debt Administration
  • Debt-collecting
  • Entering into Regulated Consumer Hire Agreements as owner
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
04938684
Company status
Active
Company type
Private limited company
Incorporated
21 October 2003 (23 years old)
Registered office
The Precinct, Poseidon Way, Warwick, Warwickshire, CV34 6BY, United Kingdom
Nature of business
  • Retail sale via mail order houses or via Internet (SIC 47910)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil Richard Napthine Director Jan 1971 1 Oct 2015 11 other companies
John Nelson Abernethie Director Mar 1965 1 Oct 2015 14 other companies
Neil Hardwick Director Jun 1976 2 Feb 2017 6 other companies
Peter Mark Wheatcroft Director Jul 1971 2 Feb 2017 1 other company
Luke Robertson Director Oct 1991 19 May 2023 2 other companies

Other companies run by these 5 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
30
closed down
11
run together
3

In the full report: all 30 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 companies these 5 directors run together
  • All 30 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Full accountsAudited

Turnover

£107.8m

No earlier figure to compare

Profit before tax

£1.58m

No earlier figure to compare

Net assets

£3.63m

No earlier figure to compare

Cash at bank

£3.28m

No earlier figure to compare

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 04938684. 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

Ubt (EU)’s history from the FCA register and Companies House, newest first.

Key events (6) All events (64)

2022

30 June 2022

  • The Grace Trading Group Limited gave up control
  • Ubt Holdings Ltd took control (75–100% of shares)

Companies House

2020

1 July 2020

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

6 April 2016

  • The Grace Trading Group Limited took control (75–100% of shares)

Companies House

2003

21 October 2003

  • Incorporated at Companies House

Companies House

In the full report: all 64 events

  • All 64 events in its history (6 shown here)
  • Every director appointment and resignation: 55
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Firms connected to Ubt (EU)

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Ubt (EU)

Other firms of the same type (debt collector), nearest first.

In Warwick

QDR Solicitors LimitedWarwickAuthorised

In the Coventry (CV) postcode area

Complete Credit Consultancy LimitedStratford-upon-AvonAuthorisedOrbit Group LimitedCoventryAuthorised

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 Ubt (EU)

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

  • 30 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 64 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is UBT (EU) Ltd FCA authorised?
Yes, UBT (EU) Ltd (FRN 922888) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2020 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Ubt (EU)’s phone number and website?
The FCA register lists the phone number 0330 055 5500 and the website ubtprotect.co.uk for Ubt (EU). 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 one other FCA firm.
Is Ubt (EU) a scam or clone?
Ubt (EU) 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 Ubt (EU)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Ubt (EU) handles your money, so check the specific product before you commit. You can also refer complaints about Ubt (EU) to the Financial Ombudsman Service, free of charge.
Who owns Ubt (EU)?
Ubt (EU) is owned by Ubt Holdings Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 June 2022. Before that, it was controlled by The Grace Trading Group Limited.
Who runs Ubt (EU)?
Companies House lists 5 directors of Ubt (EU): Neil Richard Napthine, John Nelson Abernethie, Neil Hardwick, Peter Mark Wheatcroft and Luke Robertson.
How long has Ubt (EU) been in business?
The company was formed on 21 October 2003, and has held its current FCA authorisation since July 2020.
What do Ubt (EU)’s latest accounts show?
Its latest accounts, to 31 December 2024, show turnover of £107.8m (no earlier figure to compare) and profit before tax of £1.58m (no earlier figure to compare).
Does Ubt (EU) use any other names?
It trades as Protect Risk Management and UBT Protect.

Sources and links

The full report on UBT (EU) Ltd

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