Billing Finance Limited
Reference number: 314223
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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.
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Phone number
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Address
Billing Finance Ltd, Billing House, The Causeway, Great Billing, Northampton, Northamptonshire, NN3 9EX, United Kingdom
In the full report: 3 background checks
- When billingfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 01604 402204 is
- Who else gives the postcode NN3 9EX
Other names (2)
If you were contacted under any of these names, it is this firm.
- Billing Finance Ltd Former name: A name it was registered under before.
- Orchard Leasing Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou 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
- 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)
Financial Ombudsman complaints
Ombudsman complaints
- new complaints, January–June 2025
- 86
- upheld, against a 31% median
- 23%
- about banking and credit
- 86
A bigger firm gets more complaints simply because it has more customers.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 01693490 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 January 1983 (43 years old)
- Registered office
- Billing House, The Causeway, Great Billing, Northampton, Northants, NN3 9EX
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Oliver James Mackaness | Director | Mar 1975 | 4 Apr 2004 | 12 other companies |
| Simon John Bayley | Director | Nov 1972 | 2 Oct 2025 | 5 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
- 14
- closed down
- 2
- run together
- 3
In the full report: all 14 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 3 companies these 2 directors run together
- All 11 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
−£6.12m
Down £4.22m from −£1.89m
Net assets
£21.7m
−17% from £26.1m
Cash at bank
£1.34m
+177% from £485k
Owed within a year
£58.0m
−16% from £68.8m
Profit before tax
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 01693490. 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
Billing Finance’s history from the FCA register and Companies House, newest first.
2025
28 November 2025
- Billing Finance Group Ltd gave up control
- Billing Finance Midco Limited took control (75–100% of shares)
Companies House
2024
3 September 2024
- Oliver James Mackaness no longer has significant control
Companies House
2023
16 May 2023
- Changed its registered name from "Billing Finance Ltd"
FCA register
2021
21 September 2021
- James Mackaness no longer has significant control
Companies House
2016
21 June 2016
- Billing Finance Group Ltd took control (75–100% of shares)
Companies House
6 April 2016
- James Mackaness gained significant control
- Oliver James Mackaness gained significant control
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2005
14 January 2005
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
1983
21 January 1983
- Incorporated at Companies House
Companies House
In the full report: all 31 events
- All 31 events in its history (12 shown here)
- Every director appointment and resignation: 14
Firms like Billing Finance
Other firms of the same type (lender), nearest first.
In Northampton
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 Billing Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 14 other companies its directors have run, named
- 3 background checks on its contact details
- All 31 events in its history
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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
- Ombudsman complaints data, January–June 2025 financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk