Camco Finance Ltd

Reference number: 1000300

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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 camcofinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 871 7777 is
  • Who else gives the postcode M2 3NQ
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Other names (1)

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

  • Camco Trading name: A name it trades under now.

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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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)

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 status
Active
Company type
Private limited company
Incorporated
27 November 2020 (5 years old)
Registered office
St Georges House Office 4, 4th Floor, 56 Peter Street, Manchester, M2 3NQ, England
Nature of business
  • Financial leasing (SIC 64910)

Directors and company secretaries

Name Role Born Appointed Other companies
James Aragorn Mcguire Director Jul 1970 15 Jul 2021 5 other companies
Philip Michael Brereton Director Apr 1976 22 Jun 2023 None
Kenneth William Edward Doyle Director Mar 1988 5 Mar 2025 2 other companies

Other companies run by these 3 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
5
still active
5
run together
2

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 companies these 3 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£258k

−31% from £372k

Cash at bank

£567k

+370% from £121k

Owed within a year

£1.48m

+442% from £272k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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 13049330. 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

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

2024

15 May 2024

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

FCA register

2023

10 October 2023

  • Camco Group Limited took control (75–100% of shares)
  • James Aragorn McGuire gave up control

Companies House

2021

15 July 2021

  • James Aragorn McGuire took control (75–100% of shares)
  • Lisa Spencer gave up control

Companies House

2020

27 November 2020

  • Incorporated at Companies House
  • Lisa Spencer took control (75–100% of shares)

Companies House

In the full report: all 24 events

  • All 24 events in its history (8 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Camco Finance

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Camco Finance

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

In Manchester

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 Camco Finance

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 24 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Camco Finance Ltd FCA authorised?
Yes, Camco Finance Ltd (FRN 1000300) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2024 and works as a lender. The FCA has placed no limits on its permissions.
What is Camco Finance’s phone number and website?
The FCA register lists the phone number 0161 871 7777 and the website camcofinance.co.uk for Camco Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Camco Finance a scam or clone?
Camco 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 Camco Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Camco Finance handles your money, so check the specific product before you commit. You can also refer complaints about Camco Finance to the Financial Ombudsman Service, free of charge.
Who owns Camco Finance?
Camco Finance is owned by Camco Group Limited, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board and held through a firm, since 10 October 2023. Before that, it was controlled by Ms Lisa Spencer and Mr James Aragorn McGuire.
Who runs Camco Finance?
Companies House lists 3 directors of Camco Finance: James Aragorn McGuire, Philip Michael Brereton and Kenneth William Edward Doyle.
How long has Camco Finance been in business?
The company was formed on 27 November 2020, and has held its current FCA authorisation since May 2024.
What do Camco Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £258k (−31% from £372k) and cash at bank of £567k (+370% from £121k).
Does Camco Finance use any other names?
It trades as Camco.

Sources and links

The full report on Camco Finance Ltd

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