Bathgate Business Finance Ltd

Reference number: 720260

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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 bathgatebf.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 625 7323 is
  • Who else gives the postcode CH48 4DX
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Other names (1)

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

  • Bathgate Leasing Ltd Former name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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
  • Entering into Regulated Consumer Hire Agreements as owner
  • 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)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire 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 name
BATHGATE BUSINESS FINANCE LIMITED
Company number
02580392
Company status
Active
Company type
Private limited company
Incorporated
6 February 1991 (35 years old)
Registered office
C/O Langtons, The Plaza 100 Old Hall Street, Liverpool, L3 9QJ
Nature of business
  • Renting and leasing of other machinery, equipment and tangible goods not elsewhere classified (SIC 77390)

Directors and company secretaries

Name Role Born Appointed Other companies
Gordon Philip Andrews Director Apr 1963 24 Apr 2006 2 other companies
Stephen Ian Bennett Director Jul 1969 26 Feb 2015 13 other companies
Ian Geoffrey Adams Director Nov 1964 1 Apr 2022 None
Colin Phillips Secretary Not published 20 Apr 2022 –

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
15
closed down
6
went insolvent
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Full accountsAudited

Net assets

£1.72m

+6.7% from £1.62m

Cash at bank

£107k

+63% from £65.5k

Employees (average)

11

Same as 11

Owed within a year

£2.20m

<1% from £2.22m

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.

Accounts filed at Companies House for company 02580392. 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

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

Key events (5) All events (30)

2020

26 November 2020

  • Changed its registered name from "Bathgate Leasing Ltd"

FCA register

2016

19 August 2016

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

FCA register

6 April 2016

  • Bathgate Walker Group Limited took control (75–100% of shares)

Companies House

1991

6 February 1991

  • Incorporated at Companies House

Companies House

In the full report: all 30 events

  • All 30 events in its history (5 shown here)
  • Every director appointment and resignation: 21
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Firms like Bathgate Business Finance

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

In Wirral

Jonathan Paul MeisnerWirralAuthorisedLeasowe Golf ClubWirralSee the registerSimple Credit LimitedWirralAuthorisedWellington-Young Insurance Services LimitedWirralAuthorisedBaldwin-Brown G LimitedWirralAuthorisedFairclough J LimitedWirralAuthorised

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 Bathgate Business Finance

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 30 events in its history

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Frequently asked questions about this firm

Is Bathgate Business Finance Ltd FCA authorised?
Yes, Bathgate Business Finance Ltd (FRN 720260) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Bathgate Business Finance’s phone number and website?
The FCA register lists the phone number 0151 625 7323 and the website bathgatebf.co.uk for Bathgate Business Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Bathgate Business Finance a scam or clone?
Bathgate 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 Bathgate Business Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Bathgate Business Finance handles your money, so check the specific product before you commit. You can also refer complaints about Bathgate Business Finance to the Financial Ombudsman Service, free of charge.
Who owns Bathgate Business Finance?
Bathgate Business Finance is owned by Bathgate Walker Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Bathgate Business Finance?
Companies House lists 3 directors of Bathgate Business Finance: Gordon Philip Andrews, Stephen Ian Bennett and Ian Geoffrey Adams.
How long has Bathgate Business Finance been in business?
The company was formed on 6 February 1991, and has held its current FCA authorisation since August 2016.
What do Bathgate Business Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1.72m (+6.7% from £1.62m) and cash at bank of £107k (+63% from £65.5k).
Does Bathgate Business Finance use any other names?
It has previously used the name Bathgate Leasing Ltd.

Sources and links

The full report on Bathgate Business Finance Ltd

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