Beach Finance Ltd

Reference number: 1010244

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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 beach.org first appeared online, and whether it can receive email
  • What kind of line 0330 133 9320 is
  • Who else gives the postcode BN20 7EZ
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Other names (1)

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

  • Beach Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (3 permissions)
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Making arrangements with a view to transactions in investments

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
14969609
Company status
Active
Company type
Private limited company
Incorporated
29 June 2023 (3 years old)
Registered office
128 City Road, London, EC1V 2NX, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Michael Dowling Director May 1982 29 Jun 2023 1 other company
Edward James Savage Director Apr 1990 29 Jun 2023 3 other companies

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
3
still active
3
run together
1

In the full report: all 3 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£55.1k

−43% from £97.2k

Employees (average)

2

Same as 2

Owed within a year

£0

Down £38 from £38

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 14969609. 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

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

Key events (5) All events (10)

2024

1 November 2024

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

FCA register

2023

29 June 2023

  • Incorporated at Companies House
  • Christopher Michael Dowling became a part-owner (25–50% of shares)
  • Edward James Savage became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Get the full report on Beach Finance

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is Beach Finance Ltd FCA authorised?
Yes, Beach Finance Ltd (FRN 1010244) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2024. The FCA has placed no limits on its permissions.
What is Beach Finance’s phone number and website?
The FCA register lists the phone number 0330 133 9320 and the website beach.org for Beach Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Beach Finance a scam or clone?
Beach 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 Beach Finance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Beach Finance to the Financial Ombudsman Service, free of charge.
Who owns Beach Finance?
Companies House lists 2 people with significant control of Beach Finance: Mr Edward James Savage (25–50% of shares) and Mr Christopher Michael Dowling (25–50% of shares).
Who runs Beach Finance?
Companies House lists 2 directors of Beach Finance: Christopher Michael Dowling and Edward James Savage.
How long has Beach Finance been in business?
The company was formed on 29 June 2023, and has held its current FCA authorisation since November 2024.
What do Beach Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £55.1k (−43% from £97.2k).
Does Beach Finance use any other names?
It trades as Beach.

Sources and links

The full report on Beach Finance Ltd

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