Activate Business Finance Limited: FCA regulated?

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 3 years
Protected through the principal
No FCA actions
Active company since 2023
Accounts filed up to 31 May 2025
On its latest accounts it owed £149k more than it owned

Responsible principal firm

White Rose Finance Group Limited Reference number: 630772 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.
Activate Business Finance Limited (FRN 1002384) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Activate Business Finance's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Activate Business Finance, 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.

Website

activate-finance.co.uk (opens in a new tab)
Phone number

07866 752742
Address

25 Carters Close, Sherington, Newport Pagnell, Milton Keynes, MK16 9NW, United Kingdom

In the full report: 3 background checks

When activate-finance.co.uk first appeared online, and whether it can receive email
What kind of line 07866 752742 is
Who else gives the postcode MK16 9NW

Other names (1)

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

Activate Finance Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through White Rose Finance Group 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: 14906869 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 31 May 2023 (3 years old)
Registered office: 4 Pavilion Court, 600 Pavilion Drive, Northampton, NN4 7SL, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Gregory Mark Durkan	Director	Dec 1978	31 May 2023	4 other companies
Lydia Marie Coomber	Director	Oct 1982	9 Oct 2023	None
Gregory Mark Durkan	Secretary	Not published	31 May 2023	–

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: 4
still active: 4
are FCA-registered: 2

In the full report: all 4 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 2 on the FCA register

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Total equity

−£149k

Down £30.0k from −£119k

Cash at bank

£0

−100% from £12.5k

Employees (average)

5

Same as 5

Owed within a year

£159k

+9.3% from £146k

Total equity is negative: on its last balance sheet the company owed £149k more than it owned.

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 14906869. 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

Activate Business Finance’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2023

25 September 2023

Became an appointed representative

FCA register

31 May 2023

Incorporated at Companies House
Gregory Mark Durkan took control (75–100% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (3 shown here)
Every director appointment and resignation: 2

Firms connected to Activate Business Finance

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

past links: 2

In the full report: all 0 connected firms, named

2 past links through former directors

Firms like Activate Business Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Newport Pagnell

Astons Financial Services LLPNewport PagnellAppointed representative Business Funding Solutions LimitedNewport PagnellAppointed representative Mortgage Search LtdNewport PagnellAppointed representative Wyse Services LimitedNewport PagnellAuthorised

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 Activate Business Finance

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

4 other companies its directors have run, named
3 background checks on its contact details
All 7 events in its history

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Frequently asked questions about this firm

Is Activate Business Finance Limited FCA authorised?

Activate Business Finance Limited (FRN 1002384) 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 Activate Business Finance?

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. Activate Business Finance Limited (FRN 1002384) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Activate Business Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Activate Business Finance, 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 Activate Business Finance’s phone number and website?

The FCA register lists the phone number 07866 752742 and the website activate-finance.co.uk for Activate Business Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Activate Business Finance a scam or clone?

Activate Business Finance 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 Activate Business Finance?

Protection works through White Rose Finance Group Limited, the principal firm responsible for Activate Business Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Activate Business Finance?

Companies House lists one person with significant control of Activate Business Finance: Mr Gregory Mark Durkan (75–100% of shares).

Who runs Activate Business Finance?

Companies House lists 2 directors of Activate Business Finance: Gregory Mark Durkan and Lydia Marie Coomber.

How long has Activate Business Finance been in business?

The company was formed on 31 May 2023.

What do Activate Business Finance’s latest accounts show?

Its latest accounts, to 31 May 2025, show total equity of −£149k (down £30.0k from −£119k) and cash at bank of £0 (−100% from £12.5k).

Does Activate Business Finance use any other names?

It trades as Activate Finance.