Alco Estates Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1950
Accounts filed up to 31 December 2025

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

01507 441405
Address

Boathouse, Sandhurst Road, Sandilands, Sutton-on-Sea, Mablethorpe, Lincolnshire, LN12 2RH, United Kingdom

In the full report: 2 background checks

What kind of line 01507 441405 is
Who else gives the postcode LN12 2RH

Other names (1)

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

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

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 (2 permissions)

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)

Limits on what they may do

Not permitted to canvass off trade premises

The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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: 00478747 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 February 1950 (76 years old)
Registered office: Boathouse, Sandhurst Road, Sandilands Sutton On Sea, Lincs, LN12 2RH
Nature of business: Construction of domestic buildings (SIC 41202)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Judith Margaret Henshaw	Director	Aug 1949	22 Sep 1995	None
Alexander Graham Guy Henshaw	Director	Feb 1943	Not published	1 other company
Alexander Graham Guy Henshaw	Secretary	Not published	Not published	1 other company

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 company: 1
still active: 1

In the full report: all 1 company, 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
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£11.9m

+2.3% from £11.6m

Cash at bank

£162k

−26% from £217k

Employees (average)

2

Same as 2

Owed within a year

£262k

−25% from £351k

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

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 00478747. 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

Alco Estates’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2016

6 April 2016

Alexander Graham Guy Henshaw became a part-owner (25–50% of shares)
Judith Margaret Henshaw became a part-owner (25–50% of shares)

Companies House

2015

4 November 2015

Regulated by the FCA from this date
FCA imposed a requirement (Not permitted to canvass off trade premises)
Became authorised by the FCA

FCA register

1950

25 February 1950

Incorporated at Companies House

Companies House

In the full report: all 12 events

All 12 events in its history (6 shown here)
Every director appointment and resignation: 3

Firms like Alco Estates

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

In the Lincoln (LN) postcode area

Daniel Briggs-PriceLincolnAuthorised Martin EatchWoodhall SpaAuthorised Metropolitan Premium Finance LimitedLouthAuthorised Paul David HardyLouthAuthorised Mower Magic LimitedLincolnAuthorised Dixon A LimitedAlfordAuthorised

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 Alco Estates

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

1 other company its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 12 events in its history

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Frequently asked questions about this firm

Is Alco Estates Limited FCA authorised?

Yes, Alco Estates Limited (FRN 665776) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a lender. The FCA has placed a limit on what it may do.

What is Alco Estates’ phone number?

The FCA register lists the phone number 01507 441405 for Alco Estates. If you were given different contact details, use these to check with the firm before going any further.

Is Alco Estates a scam or clone?

Alco Estates 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 Alco Estates?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Alco Estates handles your money, so check the specific product before you commit. You can also refer complaints about Alco Estates to the Financial Ombudsman Service, free of charge.

Who owns Alco Estates?

Companies House lists 2 people with significant control of Alco Estates: Mr Alexander Graham Guy Henshaw (25–50% of shares) and Mrs Judith Margaret Henshaw (25–50% of shares).

Who runs Alco Estates?

Companies House lists 2 directors of Alco Estates: Judith Margaret Henshaw and Alexander Graham Guy Henshaw.

How long has Alco Estates been in business?

The company was formed on 25 February 1950, and has held its current FCA authorisation since November 2015.

What do Alco Estates’ latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £11.9m (+2.3% from £11.6m) and cash at bank of £162k (−26% from £217k).

Does Alco Estates use any other names?

It trades as Alco Finance.