Vesta Financial Services Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 4 years
Your funds are protected by FSCS
No FCA actions
Active company since 2016
Accounts filed up to 31 July 2025
On its latest accounts it owed £224k more than it owned

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

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

0808 164 2888
Address

KB House, Juniper Court, Scott Drive, Altrincham, Greater Manchester, WA15 8AB, United Kingdom

In the full report: 3 background checks

When vestafs.co.uk first appeared online, and whether it can receive email
What kind of line 0808 164 2888 is
Who else gives the postcode WA15 8AB

Other names (2)

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

Hug Life Trading name: A name it trades under now.
www.vestafs.co.uk Trading name: A name it trades under now.

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.
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 (3 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Making arrangements with a view to transactions in investments

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: 10267458 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 7 July 2016 (10 years old)
Registered office: Kb House, Scott Drive, Altrincham, WA15 8AB, England
Nature of business: Life insurance (SIC 65110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Matthew Horan	Director	Mar 1984	7 Jul 2016	1 other company
Paul Sweeney	Director	May 1962	2 Dec 2024	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 company: 1
still active: 1

In the full report: all 1 company, named

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

Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

−£224k

Down £61.3k from −£163k

Employees (average)

21

−4.5% from 22

Owed within a year

£244k

−7.7% from £264k

Net assets are negative: on its last balance sheet the company owed £224k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 to 2025
The chart, 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10267458. 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

Vesta Financial Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (15)

2024

2 December 2024

Hug Enterprises Ltd took control (75–100% of shares)
Matthew Horan stopped being a part-owner
Robert James Hazell stopped being a part-owner

Companies House

2022

6 July 2022

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

FCA register

2016

7 July 2016

Incorporated at Companies House
Matthew Horan became a part-owner (25–50% of shares)
Robert James Hazell became a part-owner (25–50% of shares)

Companies House

In the full report: all 15 events

All 15 events in its history (8 shown here)
Every director appointment and resignation: 4

Firms like Vesta Financial Services

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

In Altrincham

Insurance Claims Centre UK LimitedAltrinchamAuthorised Paymentcare LimitedAltrinchamAuthorised The Alan Stevenson Partnership Ltd.AltrinchamAuthorised Whitefield Insurance Services LimitedAltrinchamSee the register Yellow Bolts LimitedAltrinchamAuthorised Coverex Brokers LimitedAltrinchamAppointed 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 Vesta Financial Services

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

1 other company its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 15 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Vesta Financial Services Limited FCA authorised?

Yes, Vesta Financial Services Limited (FRN 955299) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2022 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Vesta Financial Services’ phone number and website?

The FCA register lists the phone number 0808 164 2888 and the website vestafs.co.uk for Vesta Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Vesta Financial Services a scam or clone?

Vesta Financial Services 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 Vesta Financial Services?

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 Vesta Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Vesta Financial Services?

Vesta Financial Services is owned by Hug Enterprises Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 December 2024. Before that, it was controlled by Matthew Horan and Robert James Hazell.

Who runs Vesta Financial Services?

Companies House lists 2 directors of Vesta Financial Services: Matthew Horan and Paul Sweeney.

How long has Vesta Financial Services been in business?

The company was formed on 7 July 2016, and has held its current FCA authorisation since July 2022.

What do Vesta Financial Services’ latest accounts show?

Its latest accounts, to 31 July 2025, show net assets of −£224k (down £61.3k from −£163k).

Does Vesta Financial Services use any other names?

It trades as Hug Life and www.vestafs.co.uk.