Caldmore Ltd

Reference number: 681252

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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, 1 thing worth a closer look

  • When sellyourgold.uk first appeared online, and whether it can receive email
  • What kind of line 07999 113337 is
  • Who else gives the postcode WS1 3RN
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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 (2 permissions)
  • 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)

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
05920007
Company status
Active
Company type
Private limited company
Incorporated
31 August 2006 (20 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Manufacture of jewellery and related articles (SIC 32120)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Balvinder Shinh Director Nov 1978 1 Aug 2014 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£46.3k

+7.5% from £43.1k

Employees (average)

1

Same as 1

Owed within a year

£8,630

+12% from £7,687

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.

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

Accounts filed at Companies House for company 05920007. 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

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

Key events (7) All events (16)

2016

31 August 2016

  • Balvinder Shinh took control (75–100% of shares)

Companies House

2015

21 December 2015

  • 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

2013

1 October 2013

  • Board replaced: its only director left and a new director took over

Companies House

2010

1 July 2010

  • Board replaced: its only director left and a new director took over

Companies House

2006

31 August 2006

  • 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: 7
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Firms like Caldmore

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

In Walsall

Homeserve Finance LimitedWalsallAuthorisedPaul BottrillWalsallAuthorisedShaun Anthony ReaneyWalsallAuthorisedThink Insurance Services LimitedWalsallAuthorisedWatmos Community HomesWalsallAuthorisedRobsco Solutions LimitedWalsallAuthorised

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 Caldmore

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, 1 flagged
  • 6 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Caldmore Ltd FCA authorised?
Yes, Caldmore Ltd (FRN 681252) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2015 and works as a lender. The FCA has placed a limit on what it may do.
What is Caldmore’s phone number and website?
The FCA register lists the phone number 07999 113337 and the website sellyourgold.uk for Caldmore. If you were given different contact details, use these to check with the firm before going any further.
Is Caldmore a scam or clone?
Caldmore 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 Caldmore?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Caldmore handles your money, so check the specific product before you commit. You can also refer complaints about Caldmore to the Financial Ombudsman Service, free of charge.
Who owns Caldmore?
Companies House lists one person with significant control of Caldmore: Mr Balvinder Shinh (75–100% of shares).
Who runs Caldmore?
Companies House lists one director of Caldmore: Balvinder Shinh.
How long has Caldmore been in business?
The company was formed on 31 August 2006, and has held its current FCA authorisation since December 2015.
What do Caldmore’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £46.3k (+7.5% from £43.1k).

Sources and links

The full report on Caldmore Ltd

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