Black Book Finance Ltd

Reference number: 821215

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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 blackbookfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 651 6511 is
  • Who else gives the postcode HA8 8TD
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • 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
10121549
Company status
Active
Company type
Private limited company
Incorporated
13 April 2016 (10 years old)
Registered office
Black Book Finance 1 Broadfields Parade, Glengall Road, Edgware, Middlesex, HA8 8TD, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Antony Clapper Director Apr 1971 13 Apr 2016 47 other companies
Joanne Dempsey Director Dec 1970 13 Apr 2016 33 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
47
closed down
45
is FCA-registered
1

In the full report: all 47 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 one on the FCA register
  • The 33 companies these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Full accountsNot audited

Net assets

£307k

+17% from £262k

Cash at bank

£53.1k

−25% from £71.0k

Owed within a year

£96.8k

−6.5% from £104k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 10121549. 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

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

Key events (7) All events (16)

2019

2 May 2019

  • Daniel Gerrard became a part-owner (25–50% of shares)

Companies House

1 March 2019

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

FCA register

2017

5 April 2017

  • Clapper Ventures LLP gave up control
  • Clapper Ventures LLP took control (75–100% of shares)
  • Michael Antony Clapper became the majority owner (50–75% of shares)

Companies House

2016

13 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Black Book Finance

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Black Book Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Edgware

Nihal Nanda Kumara AbeyaEdgwareAuthorisedResidential & Commercial Mortgages LimitedEdgwareAuthorisedSimple Savings LtdEdgwareAuthorisedSkye Estates LimitedEdgwareAuthorisedHighview Finance LtdEdgwareAppointed representativeJatin VaghelaEdgwareAppointed 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 Black Book Finance

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

  • 47 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Black Book Finance Ltd FCA authorised?
Yes, Black Book Finance Ltd (FRN 821215) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2019 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Black Book Finance’s phone number and website?
The FCA register lists the phone number 0800 651 6511 and the website blackbookfinance.co.uk for Black Book Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Black Book Finance a scam or clone?
Black Book 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 Black Book Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Black Book Finance to the Financial Ombudsman Service, free of charge.
Who owns Black Book Finance?
Companies House lists 2 people with significant control of Black Book Finance: Mr Michael Antony Clapper (50–75% of shares) and Mr Daniel Gerrard (25–50% of shares). Before that, it was controlled by Clapper Ventures LLP.
Who runs Black Book Finance?
Companies House lists 2 directors of Black Book Finance: Michael Antony Clapper and Joanne Dempsey.
How long has Black Book Finance been in business?
The company was formed on 13 April 2016, and has held its current FCA authorisation since March 2019.
What do Black Book Finance’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £307k (+17% from £262k) and cash at bank of £53.1k (−25% from £71.0k).

Sources and links

The full report on Black Book Finance Ltd

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