Virgate Accounts Ltd

Reference number: 986591

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

SJL (Worcester) Ltd Reference number: 763599 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Virgate Accounts Ltd (FRN 986591) introduces customers to SJL (Worcester) Ltd (FRN 763599). Any regulated advice or arranging is done by the principal, not Virgate Accounts.
  • Example: if Virgate Accounts refers you to a financial adviser, the advice should come from the principal firm, not from Virgate Accounts itself.
  • 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.

In the full report: 3 background checks

  • When virgate.co.uk first appeared online, and whether it can receive email
  • What kind of line 01452 226111 is
  • Who else gives the postcode GL2 4NF
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through SJL (Worcester) 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
10334690
Company status
Active
Company type
Private limited company
Incorporated
18 August 2016 (10 years old)
Registered office
Olympus House Olympus Park, Quedgeley, Gloucester, GL2 4NF, England
Nature of business
  • Accounting and auditing activities (SIC 69201)
  • Bookkeeping activities (SIC 69202)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Travell Director Mar 1985 18 Aug 2016 1 other company
Arvind Perumbala Director Dec 1976 29 May 2024 2 other companies

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
3
closed down
1
still active
2

In the full report: all 3 companies, 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 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsAudited

Net assets

£130k

Up £130k from −£335

Cash at bank

£212k

+270% from £57.4k

Employees (average)

21

Same as 21

Owed within a year

£212k

+27% from £167k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • 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 10334690. 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

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

Key events (5) All events (11)

2024

29 May 2024

  • Sarah Travell gave up control
  • Virrtue Finance And Accounting Outsourced Limited took control (75–100% of shares)

Companies House

2022

4 November 2022

  • Became an introducer appointed representative

FCA register

2016

18 August 2016

  • Incorporated at Companies House
  • Sarah Travell took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Virgate Accounts

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

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

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

In Gloucester

44 Black Diamonds LtdGloucesterAppointed representativeBlakeway and Hunt LimitedGloucesterAppointed representativeBrian PalmerGloucesterAppointed representativeForget Me Not Mortgages LimitedGloucesterAppointed representativeHannah Mary WallGloucesterAppointed representativeHarvest Innovations LimitedGloucesterAppointed 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 Virgate Accounts

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
  • 6 years of accounts, charted
  • All 11 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Virgate Accounts Ltd FCA authorised?
Virgate Accounts Ltd (FRN 986591) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Virgate Accounts?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Virgate Accounts Ltd (FRN 986591) introduces customers to SJL (Worcester) Ltd (FRN 763599). Any regulated advice or arranging is done by the principal, not Virgate Accounts. Example: if Virgate Accounts refers you to a financial adviser, the advice should come from the principal firm, not from Virgate Accounts itself. 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 Virgate Accounts’ phone number and website?
The FCA register lists the phone number 01452 226111 and the website virgate.co.uk for Virgate Accounts. If you were given different contact details, use these to check with the firm before going any further.
Is Virgate Accounts a scam or clone?
Virgate Accounts 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 Virgate Accounts?
Protection works through SJL (Worcester) Ltd, the principal firm responsible for Virgate Accounts's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Virgate Accounts?
Virgate Accounts is owned by Virrtue Finance And Accounting Outsourced Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 May 2024. Before that, it was controlled by Miss Sarah Travell.
Who runs Virgate Accounts?
Companies House lists 2 directors of Virgate Accounts: Sarah Travell and Arvind Perumbala.
How long has Virgate Accounts been in business?
The company was formed on 18 August 2016.
What do Virgate Accounts’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £130k (up £130k from −£335) and cash at bank of £212k (+270% from £57.4k).

Sources and links

The full report on Virgate Accounts Ltd

£19.99 · Instant PDF download

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