Adam & Sons Limited

Reference number: 663916

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When essexfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01702 337342 is, and the other firm that gives it
  • Who else gives the postcode SS2 6RR
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Other names (1)

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

  • Essex Vehicle Contracts Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
05972431
Company status
Active
Company type
Private limited company
Incorporated
19 October 2006 (20 years old)
Registered office
Calf Barn, Shopland Road, Rochford, Essex, SS4 1LT, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam George Jonathan Potipher Director Feb 1957 19 Oct 2006 8 other companies
Benjamin Potipher Director Feb 1981 19 Oct 2006 1 other company
James Potipher Director Oct 1983 19 Oct 2006 2 other companies
Adam George Jonathan Potipher Secretary Not published 19 Oct 2006 8 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
8
closed down
3
is FCA-registered
1

In the full report: all 8 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 one on the FCA register
  • The 2 companies these 3 directors run together
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£4,993

+6.9% from £4,671

Cash at bank

£44.3k

−17% from £53.5k

Employees (average)

0

Same as 0

Owed within a year

£48.1k

+9.3% from £44.0k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 05972431. 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

Adam & Sons’s history from the FCA register and Companies House, newest first.

Key events (4) All events (10)

2016

6 April 2016

  • Adam George Jonathan Potipher took control (75–100% of shares)

Companies House

2015

21 October 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2006

19 October 2006

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Adam & Sons

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Adam & Sons

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

In Southend-on-Sea

Steggles & Co LimitedSouthend-on-SeaAuthorisedSouthend Discount Gold LimitedSouthend-on-SeaAuthorised

In the Southend-on-Sea (SS) postcode area

Hardy Finance LimitedEssexAuthorised4Wealth LimitedLeigh-on-SeaAuthorisedClosecourtt LimitedBasildonAuthorisedCNH Industrial Capital Europe LimitedBasildonAuthorised

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 Adam & Sons

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Adam & Sons Limited FCA authorised?
Yes, Adam & Sons Limited (FRN 663916) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Adam & Sons’ phone number and website?
The FCA register lists the phone number 01702 337342 and the website essexfinance.co.uk for Adam & Sons. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Adam & Sons a scam or clone?
Adam & Sons 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 Adam & Sons?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Adam & Sons handles your money, so check the specific product before you commit. You can also refer complaints about Adam & Sons to the Financial Ombudsman Service, free of charge.
Who owns Adam & Sons?
Companies House lists one person with significant control of Adam & Sons: Mr Adam George Jonathan Potipher (75–100% of shares).
Who runs Adam & Sons?
Companies House lists 3 directors of Adam & Sons: Adam George Jonathan Potipher, Benjamin Potipher and James Potipher.
How long has Adam & Sons been in business?
The company was formed on 19 October 2006, and has held its current FCA authorisation since October 2015.
What do Adam & Sons’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £4,993 (+6.9% from £4,671) and cash at bank of £44.3k (−17% from £53.5k).
Does Adam & Sons use any other names?
It trades as Essex Vehicle Contracts.

Sources and links

The full report on Adam & Sons Limited

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