Business Finance and Leasing Limited

Reference number: 658806

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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 bftrust.co.uk first appeared online, and whether it can receive email
  • What kind of line 07764 229416 is
  • Who else gives the postcode SA4 3HY
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Other names (7)

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

  • Business Finance Trust Trading name
  • TBMC Asset Cardiff Trading name
  • TBMC Asset Finance Trading name
  • Think Asset Trading name
  • CKL CONSULTANCY Former trading name
  • Legacy Finance Former trading name
  • St Davids Finance Former 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

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
09259106
Company status
Active
Company type
Private limited company
Incorporated
10 October 2014 (12 years old)
Registered office
Ground Floor Westgate House, Womanby Street, Cardiff, CF10 1BR, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Brendan Sidney Davies Director Nov 1961 10 Oct 2014 2 other companies
Jonathan Robert Davies Director Nov 1990 1 Jan 2024 1 other company
Charlotte Louise Hopkin Director Sep 1988 13 Jun 2024 None
Kevin Graham Beevers Director Jan 1968 20 Jan 2026 5 other companies
John Brendan Sidney Davies Secretary Not published 11 Oct 2024 –

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
8
closed down
2
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register, including one no longer authorised
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

£53.0k

−72% from £193k

Cash at bank

£180k

+11% from £162k

Employees (average)

3

Same as 3

Owed within a year

£135k

+11% from £121k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09259106. 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

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

Key events (9) All events (29)

2026

31 May 2026

  • Kerajo Consulting Ltd gained 25–50% of the votes

Companies House

2023

31 December 2023

  • Ian Berridge stopped being a part-owner

Companies House

2017

31 May 2017

  • Gareth James Knight Davies stopped being a part-owner

Companies House

2016

6 April 2016

  • Gareth James Knight Davies became a part-owner (25–50% of shares)
  • Ian Berridge became a part-owner (25–50% of shares)
  • John Brendan Sidney Davies took control (75–100% of shares)

Companies House

2015

6 May 2015

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

FCA register

2014

10 October 2014

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Business Finance and Leasing

Other FCA-listed firms that share a director, phone number or address with Business Finance and Leasing. 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 Business Finance and Leasing

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

In Swansea

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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 Business Finance and Leasing

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 29 events in its history

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Frequently asked questions about this firm

Is Business Finance and Leasing Limited FCA authorised?
Yes, Business Finance and Leasing Limited (FRN 658806) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Business Finance and Leasing’s phone number and website?
The FCA register lists the phone number 07764 229416 and the website bftrust.co.uk for Business Finance and Leasing. If you were given different contact details, use these to check with the firm before going any further.
Is Business Finance and Leasing a scam or clone?
Business Finance and Leasing 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 Business Finance and Leasing?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Business Finance and Leasing handles your money, so check the specific product before you commit. You can also refer complaints about Business Finance and Leasing to the Financial Ombudsman Service, free of charge.
Who owns Business Finance and Leasing?
Companies House lists 2 people with significant control of Business Finance and Leasing: Mr John Brendan Sidney Davies (75–100% of shares) and Kerajo Consulting Ltd (25–50% of votes). Before that, it was controlled by Mr Gareth James Knight Davies and Mr Ian Berridge.
Who runs Business Finance and Leasing?
Companies House lists 4 directors of Business Finance and Leasing: John Brendan Sidney Davies, Jonathan Robert Davies, Charlotte Louise Hopkin and Kevin Graham Beevers.
How long has Business Finance and Leasing been in business?
The company was formed on 10 October 2014, and has held its current FCA authorisation since May 2015.
What do Business Finance and Leasing’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £53.0k (−72% from £193k) and cash at bank of £180k (+11% from £162k).
Does Business Finance and Leasing use any other names?
It trades as Business Finance Trust, TBMC Asset Cardiff, TBMC Asset Finance and Think Asset. It has previously used 3 other names: CKL CONSULTANCY, Legacy Finance and St Davids Finance.

Sources and links

The full report on Business Finance and Leasing Limited

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