Umbrl Ltd: 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 2 years
Protected through the principal
No FCA actions
Active company since 2023
Accounts filed up to 31 December 2025
On its latest accounts it owed £461k more than it owned

Responsible principal firm

Movo Partnership Ltd Reference number: 823503 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.
Umbrl Ltd (FRN 1014619) is an AR of Movo Partnership Ltd (FRN 823503). When you use Umbrl's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Umbrl, 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

umbrl.co.uk (opens in a new tab)
Phone number

020 7965 6086
Address

2 Jubilee Place, London, SW3 3TQ, United Kingdom

In the full report: 3 background checks

When umbrl.co.uk first appeared online, and whether it can receive email
What kind of line 020 7965 6086 is, and the other firm that gives it
Who else gives the postcode SW3 3TQ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Movo Partnership Ltd, 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: 15284650 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 November 2023 (2 years old)
Registered office: 2 Jubilee Place, London, SW3 3TQ, United Kingdom
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Benjamin Michael Colas	Director	Dec 1973	14 Nov 2023	11 other companies
Timothy Parker	Director	May 1985	8 Jul 2025	None

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: 11
closed down: 2
went insolvent: 1

In the full report: all 11 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
The one that went into liquidation or administration
The one on the FCA register
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

−£461k

No earlier figure to compare

Cash at bank

£6,283

−79% from £30.5k

Employees (average)

12

Same as 12

Owed within a year

£291k

+311% from £70.9k

Net assets are negative: on its last balance sheet the company owed £461k more than it owned.

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 15284650. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (3) All events (8)

2024

9 July 2024

Became an appointed representative

FCA register

2023

14 November 2023

Incorporated at Companies House
Philippe Emmanuel Azoulay took control (75–100% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (3 shown here)
Every director appointment and resignation: 4

Firms connected to Umbrl

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

connected firms: 3
share its phone number: 1
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same phone number (1), the same postcode (3)
Who links each one: the named directors, with dates

Firms like Umbrl

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

In London

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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 Umbrl

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

11 other companies its directors have run, named
3 background checks on its contact details
All 8 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Umbrl Ltd FCA authorised?

Umbrl Ltd (FRN 1014619) 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 Umbrl?

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. Umbrl Ltd (FRN 1014619) is an AR of Movo Partnership Ltd (FRN 823503). When you use Umbrl's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Umbrl, 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 Umbrl’s phone number and website?

The FCA register lists the phone number 020 7965 6086 and the website umbrl.co.uk for Umbrl. 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 Umbrl a scam or clone?

Umbrl 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 Umbrl?

Protection works through Movo Partnership Ltd, the principal firm responsible for Umbrl's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Umbrl?

Companies House lists one person with significant control of Umbrl: Mr Philippe Emmanuel Azoulay (75–100% of shares).

Who runs Umbrl?

Companies House lists 2 directors of Umbrl: Benjamin Michael Colas and Timothy Parker.

How long has Umbrl been in business?

The company was formed on 14 November 2023.

What do Umbrl’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£461k (no earlier figure to compare) and cash at bank of £6,283 (−79% from £30.5k).