Bear Credit Limited

Reference number: 994654

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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 bearcredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 01502 507766 is
  • Who else gives the postcode NR33 0TQ
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Other names (2)

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

  • Bear Credit Asset Finance Trading name
  • Bear Credit Business Finance 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
14774992
Company status
Active
Company type
Private limited company
Incorporated
3 April 2023 (3 years old)
Registered office
7 Quay View Business Park, Barnards Way, Lowestoft, Suffolk, NR32 2HD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Simon Bligh Director Nov 1983 3 Apr 2023 1 other company

Other companies run by its director

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 its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£392

Up £327 from £65

Cash at bank

£0

No earlier figure to compare

Employees (average)

1

Same as 1

Owed within a year

£29.2k

+318% from £6,990

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 14774992. 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

Bear Credit’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2023

25 August 2023

  • 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

3 April 2023

  • Incorporated at Companies House
  • James Simon Bligh took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Bear Credit

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Bear Credit

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

In Lowestoft

Colin Frank BeltonLowestoftAuthorisedwaveney volvo centreLowestoftAuthorisedAzure Seas LimitedLowestoftAuthorisedLowestoft V.e. LimitedLowestoftAppointed representative

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 Bear Credit

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
  • 3 background checks on its contact details
  • All 11 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bear Credit Limited FCA authorised?
Yes, Bear Credit Limited (FRN 994654) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2023 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Bear Credit’s phone number and website?
The FCA register lists the phone number 01502 507766 and the website bearcredit.co.uk for Bear Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Bear Credit a scam or clone?
Bear Credit 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 Bear Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Bear Credit handles your money, so check the specific product before you commit. You can also refer complaints about Bear Credit to the Financial Ombudsman Service, free of charge.
Who owns Bear Credit?
Companies House lists one person with significant control of Bear Credit: Mr James Simon Bligh (75–100% of shares).
Who runs Bear Credit?
Companies House lists one director of Bear Credit: James Simon Bligh.
How long has Bear Credit been in business?
The company was formed on 3 April 2023, and has held its current FCA authorisation since August 2023.
What do Bear Credit’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £392 (up £327 from £65) and cash at bank of £0 (no earlier figure to compare).
Does Bear Credit use any other names?
It trades as Bear Credit Asset Finance and Bear Credit Business Finance.

Sources and links

The full report on Bear Credit Limited

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