Vita Financial Ltd
Reference number: 529693
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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 16 years
- Protected through the principal
- No FCA actions
- Active company since 2010
- Accounts filed up to 31 December 2021
- Accounts are overdue at Companies House
Responsible principal firm
CAPITAL PROTECT LIMITED Reference number: 531444 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.
- Vita Financial Ltd (FRN 529693) is an AR of CAPITAL PROTECT LIMITED (FRN 531444). When you use Vita Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Vita Financial, 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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Website
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Phone number
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Address
The Maltings, East Tyndall Street, Cardiff, South Glamorgan, CF24 5EA, United Kingdom
In the full report: 3 background checks
- When vita.co.uk first appeared online, and whether it can receive email
- What kind of line 0800 988 3637 is, and the other firm that gives it
- Who else gives the postcode CF24 5EA
Other names (4)
If you were contacted under any of these names, it is this firm.
- CompareInsuranceNow Trading name: A name it trades under now.
- Vita Trading name: A name it trades under now.
- www.compareinsurancenow.co.uk Trading name: A name it trades under now.
- www.vitafinancial.co.uk Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Capital Protect Limited, 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.
Concerns on the company record
- Accounts are overdue at Companies House.
- Company name
- VITA FINANCIAL LIMITED
- Company number
- 07266691 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 May 2010 (16 years old)
- Registered office
- Capital House Pride Place, Pride Park, Derby, DE24 8QR, United Kingdom
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Barry Walter Pappin | Director | Dec 1984 | 27 May 2010 | 4 other companies |
| Paul Reed | Director | Feb 1981 | 27 May 2010 | 3 other companies |
| Gareth John Herbert | Director | Feb 1970 | 22 Sep 2026 | 36 other companies |
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
- 39
- closed down
- 1
- are FCA-registered
- 14
In the full report: all 39 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 14 on the FCA register, including one no longer authorised
- The 2 companies these 3 directors run together
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£216k
+160% from £83.1k
Cash at bank
£280k
+94% from £144k
Employees (average)
14
+7.7% from 13
Owed within a year
£79.4k
+28% from £61.9k
Its next accounts are overdue at Companies House.
Assets and liabilities
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 07266691. 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
Vita Financial’s history from the FCA register and Companies House, newest first.
2022
12 July 2022
- Barry Walter Pappin stopped being a part-owner
- Paul Reed stopped being a part-owner
Companies House
2021
28 May 2021
- Mortgage Advice Bureau Limited took control (75–100% of shares)
Companies House
2016
1 July 2016
- Barry Walter Pappin became a part-owner (25–50% of shares)
- Paul Reed became a part-owner (25–50% of shares)
Companies House
2010
16 August 2010
- Became an appointed representative
FCA register
27 May 2010
- Incorporated at Companies House
Companies House
In the full report: all 25 events
- All 25 events in its history (7 shown here)
- Every director appointment and resignation: 13
Firms connected to Vita Financial
Other FCA-listed firms that share a director, phone number or address with Vita Financial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 12
- share its phone number
- 1
In the full report: all 12 connected firms, named
- How each is linked: shared directors (12), the same phone number (1), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like Vita Financial
Other firms of the same type (insurance broker), nearest first.
In Cardiff
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 Vita Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 39 other companies its directors have run, named
- 3 background checks on its contact details
- All 25 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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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