Umbrella Protect Ltd

Reference number: 774445

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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 umbrellaprotect.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8964 2275 is
  • Who else gives the postcode W4 5YA
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Other names (2)

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

  • Anna Gustyn Financial Advice Trading name
  • PROTECTION GUIDE Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A 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 apply
    Eligible 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 FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit 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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
09551132
Company status
Active
Company type
Private limited company
Incorporated
20 April 2015 (11 years old)
Registered office
Building 3 566 Chiswick High Road, Chiswick Park, London, W4 5YA, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Anna Maria Gustyn Director Jan 1990 20 Apr 2015 3 other companies

Other companies run by its director

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
3
closed down
2
still active
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2026Small company accountsNot audited

Net assets

£18.2k

−60% from £45.7k

Cash at bank

£15.4k

No earlier figure to compare

Employees (average)

2

−50% from 4

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 09551132. 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

Umbrella Protect’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2021

30 June 2021

  • Helena Gorniak-Kasmi stopped being a part-owner

Companies House

2018

6 August 2018

  • Helena Gorniak-Kasmi became a part-owner (25–50% of shares)

Companies House

2017

2 October 2017

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

FCA register

2016

30 September 2016

  • Anna Maria Gustyn became the majority owner (50–75% of shares)

Companies House

2015

20 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Umbrella Protect

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Umbrella Protect

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Saga Personal Finance LimitedLondonAuthorisedLegal & General Partnership Services LimitedLondonAuthorisedPrudential Distribution LimitedLondonAuthorisedQuilter Mortgage Planning LimitedLondonAuthorisedEnness LimitedLondonAuthorisedPivotal Financial LimitedLondonAuthorised

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 Umbrella Protect

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Umbrella Protect Ltd FCA authorised?
Yes, Umbrella Protect Ltd (FRN 774445) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Umbrella Protect’s phone number and website?
The FCA register lists the phone number 020 8964 2275 and the website umbrellaprotect.co.uk for Umbrella Protect. If you were given different contact details, use these to check with the firm before going any further.
Is Umbrella Protect a scam or clone?
Umbrella Protect 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 Umbrella Protect?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Umbrella Protect to the Financial Ombudsman Service, free of charge.
Who owns Umbrella Protect?
Companies House lists one person with significant control of Umbrella Protect: Mrs Anna Maria Gustyn (50–75% of shares). Before that, it was controlled by Mrs Helena Gorniak-Kasmi.
Who runs Umbrella Protect?
Companies House lists one director of Umbrella Protect: Anna Maria Gustyn.
How long has Umbrella Protect been in business?
The company was formed on 20 April 2015, and has held its current FCA authorisation since October 2017.
What do Umbrella Protect’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £18.2k (−60% from £45.7k) and cash at bank of £15.4k (no earlier figure to compare).
Does Umbrella Protect use any other names?
It trades as Anna Gustyn Financial Advice and PROTECTION GUIDE.

Sources and links

The full report on Umbrella Protect Ltd

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