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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2025
- Accounts filed up to 30 June 2025
Responsible principal firm
VISTA INSURANCE BROKERS LTD Reference number: 717743 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.
- Vista Cambio Ltd (FRN 1030524) is an AR of VISTA INSURANCE BROKERS LTD (FRN 717743). When you use Vista Cambio's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Vista Cambio, 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.
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No website on the FCA register
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Phone number
-
Address
Windmill Green Industrious, 24 Mount Street, 2nd Floor Industrious, Manchester, M2 3NX, United Kingdom
In the full report: 2 background checks
- What kind of line 0161 393 7111 is, and the other firm that gives it
- Who else gives the postcode M2 3NX
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Vista Insurance Brokers 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, freeYou 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
- 16201708 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 January 2025 (1 year old)
- Registered office
- Windmill Green Industrious, 24 Mount Street, 2nd Floor Industrious, Manchester, M2 3NX, United Kingdom
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gavin Ruben | Director | Mar 1971 | 22 Jan 2025 | 4 other companies |
| Ryan Robert Waring | Director | Jun 1980 | 22 Jan 2025 | 1 other company |
| Richard Charles Philip Whitham | Director | Apr 1980 | 22 Jan 2025 | 1 other company |
Other companies run by these 3 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
- 5
- closed down
- 2
- are FCA-registered
- 2
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
- The 1 company these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£90
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
These accounts were filed as dormant: the company reported no significant trading in the period.
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 16201708. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Vista Cambio’s history from the FCA register and Companies House, newest first.
2025
15 April 2025
- Became an appointed representative
FCA register
22 January 2025
- Incorporated at Companies House
- Steven John Blackmore gave up control
- Steven John Blackmore took control (75–100% of shares)
- Vista Insurance Brokers Limited 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: 5
Firms connected to Vista Cambio
Other FCA-listed firms that share a director, phone number or address with Vista Cambio. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its phone number
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Vista Cambio
Other firms of the same type (insurance broker), nearest first.
In Manchester
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 Vista Cambio
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- All 11 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs Vista Cambio?
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk