Virtus Insurance Solutions Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 7 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 31 December 2025
1 thing worth a closer look in the background checks

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

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

020 7031 9757
Address

3rd Floor, 65 Carter Lane, london, EC4V 5DY, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When virtusinsurance.co.uk first appeared online, and whether it can receive email
What kind of line 020 7031 9757 is
Who else gives the postcode EC4V 5DY

Other names (1)

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

Lumin Insurance Solutions Limited Former name: A name it was registered under before.

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.
Sell or arrange insurance FSCS may apply
Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
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 (6 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Debt Administration
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: 11613080 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 October 2018 (8 years old)
Registered office: 3rd Floor 65 Carter Lane, London, EC4V 5DY, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Toby Nicholas Davidson	Director	Aug 1979	9 Oct 2018	2 other companies
George Adam Williams	Director	Aug 1975	10 May 2024	25 other companies
Emma Louise Davidson	Secretary	Not published	20 Sep 2019	–

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: 27
closed down: 13
are FCA-registered: 3

In the full report: all 27 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
The 3 on the FCA register
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£12.2k

−2.2% from £12.5k

Cash at bank

£37.3k

+150% from £14.9k

Employees (average)

7

+75% from 4

Owed within a year

£88.9k

Up £83.2k from £5,789

The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £207k, for the year to 31 December 2021.

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2019 to 2025
Both charts, 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.

Accounts filed at Companies House for company 11613080. 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

Virtus Insurance Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2024

20 May 2024

Changed its registered name from "Lumin Insurance Solutions Limited"

FCA register

2019

26 September 2019

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

FCA register

2018

9 October 2018

Incorporated at Companies House
Toby Nicholas Davidson became the majority owner (50–75% of shares)

Companies House

In the full report: all 13 events

All 13 events in its history (5 shown here)
Every director appointment and resignation: 6

Firms connected to Virtus Insurance Solutions

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

connected firm: 1
share its postcode: 1
past links: 3

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
3 past links through former directors

Firms like Virtus Insurance Solutions

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 Virtus Insurance Solutions

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

27 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
6 years of accounts, charted
All 13 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Virtus Insurance Solutions Limited FCA authorised?

Yes, Virtus Insurance Solutions Limited (FRN 841203) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2019 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Virtus Insurance Solutions’ phone number and website?

The FCA register lists the phone number 020 7031 9757 and the website virtusinsurance.co.uk for Virtus Insurance Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is Virtus Insurance Solutions a scam or clone?

Virtus Insurance Solutions 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 Virtus Insurance Solutions?

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 Virtus Insurance Solutions to the Financial Ombudsman Service, free of charge.

Who owns Virtus Insurance Solutions?

Companies House lists one person with significant control of Virtus Insurance Solutions: Mr Toby Nicholas Davidson (50–75% of shares).

Who runs Virtus Insurance Solutions?

Companies House lists 2 directors of Virtus Insurance Solutions: Toby Nicholas Davidson and George Adam Williams.

How long has Virtus Insurance Solutions been in business?

The company was formed on 9 October 2018, and has held its current FCA authorisation since September 2019.

What do Virtus Insurance Solutions’ latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £12.2k (−2.2% from £12.5k) and cash at bank of £37.3k (+150% from £14.9k).

Does Virtus Insurance Solutions use any other names?

It has previously used the name Lumin Insurance Solutions Limited.