Balgores Commercial 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 1 year
Protected through the principal
No FCA actions
Active company since 2025

Responsible principal firm

Optimum Commercial Solutions Ltd Reference number: 808754 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.
Balgores Commercial Finance Limited (FRN 1040068) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Balgores Commercial Finance's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Balgores Commercial 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.

No website on the FCA register
Phone number

07833 471149
Address

10 High Street, Wickford, SS12 9AZ, United Kingdom

In the full report: 2 background checks

What kind of line 07833 471149 is
Who else gives the postcode SS12 9AZ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Optimum Commercial Solutions Ltd, 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: 16489884 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 June 2025 (1 year old)
Registered office: 10 High Street, Wickford, SS12 9AZ, United Kingdom
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Paul Alfred Austin	Director	Jul 1952	2 Jun 2025	15 other companies
Martin Gibbon	Director	Jul 1969	2 Jun 2025	15 other companies
Adrian Anthony Whitten	Director	Sep 1974	2 Jun 2025	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: 24
closed down: 3
is FCA-registered: 1

In the full report: all 24 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 6 companies these 3 directors run together

Key dates in its history

Balgores Commercial Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2025

20 August 2025

Became an appointed representative

FCA register

2 June 2025

Incorporated at Companies House
Adrian Anthony Whitten became a part-owner (25–50% of shares)
Martin Gibbon took control (75–100% of shares)
Paul Alfred Austin became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to Balgores Commercial Finance

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

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Balgores Commercial Finance

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

In Wickford

Suzi StripeWickfordAppointed representative The Only Way Is Granite LimitedWickfordAppointed representative Ultimate Pool Retail LimitedWickfordAppointed representative Essex Partnership University NHS Foundation TrustWickfordAuthorised

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 Balgores Commercial Finance

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

24 other companies its directors have run, named
2 background checks on its contact details
All 8 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Balgores Commercial Finance Limited FCA authorised?

Balgores Commercial Finance Limited (FRN 1040068) 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 Balgores Commercial 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. Balgores Commercial Finance Limited (FRN 1040068) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Balgores Commercial Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Balgores Commercial 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 Balgores Commercial Finance’s phone number?

The FCA register lists the phone number 07833 471149 for Balgores Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Balgores Commercial Finance a scam or clone?

Balgores Commercial 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 Balgores Commercial Finance?

Protection works through Optimum Commercial Solutions Ltd, the principal firm responsible for Balgores Commercial Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Balgores Commercial Finance?

Companies House lists 3 people with significant control of Balgores Commercial Finance: Mr Martin Gibbon (75–100% of shares), Mr Paul Alfred Austin (25–50% of shares) and Mr Adrian Anthony Whitten (25–50% of shares).

Who runs Balgores Commercial Finance?

Companies House lists 3 directors of Balgores Commercial Finance: Paul Alfred Austin, Martin Gibbon and Adrian Anthony Whitten.

How long has Balgores Commercial Finance been in business?

The company was formed on 2 June 2025.