Vital Protection Ltd

Reference number: 915441

Instant download

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.

Responsible principal firm

First Complete Limited Reference number: 435779 Authorised 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.
  • Vital Protection Ltd (FRN 915441) is an AR of First Complete Limited (FRN 435779). When you use Vital Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vital Protection, 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.

  • No website on the FCA register

  • Phone number

    07811 381822

  • Address

    109 Londonderry Lane, Smethwick, West Midlands, B67 7EQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07811 381822 is
  • Who else gives the postcode B67 7EQ
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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, 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
12125183
Company status
Active
Company type
Private limited company
Incorporated
26 July 2019 (7 years old)
Registered office
369 Hagley Road West, Quinton, Birmingham, B32 2AL, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Amardeep Singh Director May 1986 26 Jul 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

−£12.3k

Down £671 from −£11.7k

Employees (average)

1

Same as 1

Owed within a year

£30.2k

+4.8% from £28.9k

Net assets are negative: on its last balance sheet the company owed £12.3k more than it owned.

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
Instant PDF download
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 12125183. 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

Vital Protection’s history from the FCA register and Companies House, newest first.

2019

18 October 2019

  • Became an appointed representative

FCA register

26 July 2019

  • Incorporated at Companies House
  • Amardeep Singh took control (75–100% of shares)
  • Amardeep Singh appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Vital Protection

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

In the Birmingham (B) postcode area

Perk UK LtdBirminghamAppointed representativewww.cruise.co.uk LimitedRedditchAppointed representativeTarmac Trading LimitedSolihullAppointed representativeWest Midlands Police FederationBirminghamAppointed representativeMrp Healthcare LimitedSutton ColdfieldAppointed representative4D Properties LimitedBromsgroveAppointed 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 Vital Protection

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 4 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Vital Protection Ltd FCA authorised?
Vital Protection Ltd (FRN 915441) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Vital Protection?
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. Vital Protection Ltd (FRN 915441) is an AR of First Complete Limited (FRN 435779). When you use Vital Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vital Protection, 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.
What is Vital Protection’s phone number?
The FCA register lists the phone number 07811 381822 for Vital Protection. If you were given different contact details, use these to check with the firm before going any further.
Is Vital Protection a scam or clone?
Vital Protection 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 Vital Protection?
Protection works through First Complete Limited, the principal firm responsible for Vital Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vital Protection?
Companies House lists one person with significant control of Vital Protection: Mr Amardeep Singh (75–100% of shares).
Who runs Vital Protection?
Companies House lists one director of Vital Protection: Amardeep Singh.
How long has Vital Protection been in business?
The company was formed on 26 July 2019.
What do Vital Protection’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of −£12.3k (down £671 from −£11.7k).

Sources and links

The full report on Vital Protection Ltd

£19.99 · Instant PDF download

Loading secure checkout…