Caravel Financial Services Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2014
Accounts filed up to 31 July 2025

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.

Website

caravelfs.co.uk (opens in a new tab)
Phone number

01274 866830
Address

Titan Business Centre, 12 Central Arcade, Cleckheaton, Kirklees, BD19 5DN, United Kingdom

In the full report: 3 background checks

When caravelfs.co.uk first appeared online, and whether it can receive email
What kind of line 01274 866830 is
Who else gives the postcode BD19 5DN

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 · Arrange equity release 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 (13 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on a home reversion plan
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) a home reversion plan
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to a home reversion plan
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: 09115245 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 July 2014 (12 years old)
Registered office: 25 Admirals Yard Low Road, Hunslet, Leeds, LS10 1AE, England
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David Andrew Speight	Director	Aug 1980	3 Jul 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
closed down: 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

Filed accounts and finances

Year to 31 July 2025Full accountsNot audited

Turnover

£84.1k

Not compared: the previous accounts cover a different length of time

Profit before tax

−£1,586

Not compared: the previous accounts cover a different length of time

Net assets

£4,500

−30% from £6,404

Employees (average)

2

−33% from 3

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

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 09115245. 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

Caravel Financial Services’s history from the FCA register and Companies House, newest first.

2023

6 November 2023

FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

2017

16 January 2017

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

FCA register

2016

1 July 2016

David Andrew Speight took control (75–100% of shares)

Companies House

2014

3 July 2014

Incorporated at Companies House
David Andrew Speight appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Caravel Financial Services

Other FCA-listed firms that share a director, phone number or address with Caravel Financial Services. 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

Firms like Caravel Financial Services

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

In Cleckheaton

Secured Homes Doors UK LtdCleckheatonAppointed representative

In the Bradford (BD) postcode area

Alexander Financial Solutions LtdBradfordAuthorised Blue Ridge Mortgages LimitedBradfordAuthorised Coversure Insurance Services (Bradford) LimitedBradfordAuthorised Cyborg Finance LimitedBradfordAuthorised Glenn McMillanSkiptonAuthorised

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 Caravel Financial Services

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
7 years of accounts, charted
All 6 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Caravel Financial Services Ltd FCA authorised?

Yes, Caravel Financial Services Ltd (FRN 757834) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Caravel Financial Services’ phone number and website?

The FCA register lists the phone number 01274 866830 and the website caravelfs.co.uk for Caravel Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Caravel Financial Services a scam or clone?

Caravel Financial Services 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 Caravel Financial Services?

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 Caravel Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Caravel Financial Services?

Companies House lists one person with significant control of Caravel Financial Services: Mr David Andrew Speight (75–100% of shares).

Who runs Caravel Financial Services?

Companies House lists one director of Caravel Financial Services: David Andrew Speight.

How long has Caravel Financial Services been in business?

The company was formed on 3 July 2014, and has held its current FCA authorisation since January 2017.

What do Caravel Financial Services’ latest accounts show?

Its latest accounts, to 31 July 2025, show turnover of £84.1k (not compared: the previous accounts cover a different length of time) and profit before tax of −£1,586 (not compared: the previous accounts cover a different length of time).