Believe Loans Limited
Reference number: 786476
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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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 December 2024
- On its latest accounts it owed £595k more than it owned
Responsible principal firm
Believe Advisor Limited Reference number: 841395 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.
- Believe Loans Limited (FRN 786476) is an AR of Believe Advisor Limited (FRN 841395). When you use Believe Loans's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Believe Loans, 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.
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Phone number
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Address
Believe House, Heavens Walk, Doncaster, South Yorkshire, DN4 5HZ, United Kingdom
In the full report: 3 background checks
- When believeloans.com first appeared online, and whether it can receive email
- What kind of line 01302 590853 is
- Who else gives the postcode DN4 5HZ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Believe Money Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Believe Advisor Limited, 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, freeYou 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
- 10712649 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 April 2017 (9 years old)
- Registered office
- 1st Floor Barclays Bank, Heavens Walk, Doncaster, South Yorkshire, DN4 5HZ, United Kingdom
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Ryan Oliver Wagstaff | Director | Jan 1984 | 19 Apr 2018 | 9 other companies |
| Ian William Johnson | Director | May 1978 | 1 Mar 2019 | 13 other companies |
| Jeremy Paul Gibson | Director | May 1973 | 18 Sep 2025 | 87 other companies |
| Mayank Prakash | Director | Jan 1973 | 18 Sep 2025 | 57 other companies |
Other companies run by these 4 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
- 99
- closed down
- 21
- went insolvent
- 1
In the full report: all 99 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 37 on the FCA register, including one no longer authorised
- The 55 companies these 4 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£595k
−178% from £765k
Cash at bank
£67.8k
+78% from £38.1k
Employees (average)
56
−9.7% from 62
Owed within a year
£1.09m
+12% from £978k
Net assets are negative: on its last balance sheet the company owed £595k more than it owned.
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 to 2024
- 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 10712649. 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
Believe Loans’s history from the FCA register and Companies House, newest first.
2018
20 April 2018
- Believe Money Group Limited took control (75–100% of shares)
- Joe Daniels gave up control
Companies House
2017
11 August 2017
- Became an appointed representative
FCA register
19 May 2017
- Graeme Stuart Richardson gave up control
- Joe Daniels took control (75–100% of shares)
Companies House
6 April 2017
- Incorporated at Companies House
- Graeme Stuart Richardson took control (75–100% of shares)
Companies House
In the full report: all 19 events
- All 19 events in its history (7 shown here)
- Every director appointment and resignation: 8
Firms connected to Believe Loans
Other FCA-listed firms that share a director, phone number or address with Believe Loans. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share a director
- 4
- share its postcode
- 3
In the full report: all 5 connected firms, named
- How each is linked: shared directors (4), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Believe Loans
Other firms of the same type (mortgage adviser or broker), nearest first.
In Doncaster
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 Believe Loans
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 99 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 19 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk