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 2024
- Accounts filed up to 30 September 2025
- On its latest accounts it owed £186k more than it owned
Responsible principal firm
IRIS INSURANCE BROKERS LIMITED Reference number: 310825 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.
- Vivid UW Ltd (FRN 1025234) is an AR of IRIS INSURANCE BROKERS LIMITED (FRN 310825). When you use Vivid UW's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Vivid UW, 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
80 Baxter Avenue, Southend In Sea, Essex, SS2 6HZ, United Kingdom
In the full report: 2 background checks
- What kind of line 020 3178 7872 is, and the 2 other firms that give it
- Who else gives the postcode SS2 6HZ
Other names (2)
If you were contacted under any of these names, it is this firm.
- go vivid Trading name: A name it trades under now.
- Vivid Retail Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Iris Insurance Brokers 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.
- Company number
- 16133153 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 December 2024 (1 year old)
- Registered office
- 80 Baxter Avenue, Southend-On-Sea, SS2 6HZ, England
- Nature of business
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- Business and domestic software development (SIC 62012)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Mark Edward Paul Hutley | Director | Mar 1970 | 12 Dec 2024 | 15 other companies |
| Richard Steven Burgess | Director | Feb 1973 | 2 Jul 2026 | 10 other companies |
| Jacob Nathaniel Decter | Director | Jun 1990 | 2 Jul 2026 | None |
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
- 21
- closed down
- 10
- are FCA-registered
- 2
In the full report: all 21 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 4 companies these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£186k
No earlier figure to compare
Cash at bank
£27.5k
No earlier figure to compare
Owed within a year
£214k
No earlier figure to compare
Total equity is negative: on its last balance sheet the company owed £186k more than it owned.
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 16133153. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Vivid UW’s history from the FCA register and Companies House, newest first.
2025
24 February 2025
- Became an appointed representative
FCA register
2024
12 December 2024
- Incorporated at Companies House
- Iris Insurance Brokers Ltd took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (3 shown here)
- Every director appointment and resignation: 5
Firms connected to Vivid UW
Other FCA-listed firms that share a director, phone number or address with Vivid UW. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 2
- share its phone number
- 2
In the full report: all 3 connected firms, named
- How each is linked: shared directors (2), the same phone number (2), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Vivid UW
Other firms of the same type (insurance broker), nearest first.
In the Southend-on-Sea (SS) postcode area
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 Vivid UW
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 21 other companies its directors have run, named
- 2 background checks on its contact details
- All 10 events in its history
- 3 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