Capital Finserv Limited

Reference number: 780153

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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 capitalfinserv.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3691 9423 is
  • Who else gives the postcode CV5 6SP
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Other names (4)

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

  • Capirel Trading name
  • Capital4Business Trading name
  • Credible Finserv Trading name
  • Makabago Loans 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 (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)

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
10765922
Company status
Active
Company type
Private limited company
Incorporated
11 May 2017 (9 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Joy Thomas Director May 1975 11 May 2017 3 other companies

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 companies
3
still active
3

In the full report: all 3 companies, 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
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Filed accounts and finances

Year to 31 May 2025Abridged accountsNot audited

Total equity

£618k

+248% from £177k

Cash at bank

£667k

No earlier figure to compare

Employees (average)

12

+50% from 8

Owed within a year

£3.07m

+995% from £280k

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 10765922. 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

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

Key events (4) All events (11)

2018

8 January 2018

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

FCA register

2017

11 May 2017

  • Incorporated at Companies House
  • Joy Thomas took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Capital Finserv

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Capital Finserv

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

In Coventry

Fair for You Enterprise CICCoventryAuthorisedBrookson Financial LimitedCoventryAuthorisedCoventry and Warwickshire Reinvestment Trust Ltd.CoventryAuthorisedjulie grantCoventryAuthorisedProwood Finance LimitedCoventryAuthorisedRajinder KaliaCoventryAuthorised

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 Capital Finserv

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 11 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Capital Finserv Limited FCA authorised?
Yes, Capital Finserv Limited (FRN 780153) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is Capital Finserv’s phone number and website?
The FCA register lists the phone number 020 3691 9423 and the website capitalfinserv.co.uk for Capital Finserv. If you were given different contact details, use these to check with the firm before going any further.
Is Capital Finserv a scam or clone?
Capital Finserv 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 Capital Finserv?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Capital Finserv handles your money, so check the specific product before you commit. You can also refer complaints about Capital Finserv to the Financial Ombudsman Service, free of charge.
Who owns Capital Finserv?
Companies House lists one person with significant control of Capital Finserv: Mr Joy Thomas (75–100% of shares).
Who runs Capital Finserv?
Companies House lists one director of Capital Finserv: Joy Thomas.
How long has Capital Finserv been in business?
The company was formed on 11 May 2017, and has held its current FCA authorisation since January 2018.
What do Capital Finserv’s latest accounts show?
Its latest accounts, to 31 May 2025, show total equity of £618k (+248% from £177k) and cash at bank of £667k (no earlier figure to compare).
Does Capital Finserv use any other names?
It trades as Capirel, Capital4Business, Credible Finserv and Makabago Loans.

Sources and links

The full report on Capital Finserv Limited

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