Cardale Finance Limited

Reference number: 833782

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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.

  • No website on the FCA register

  • Phone number

    07788 410862

  • Address

    The Fold, Barrowby Lane, Kirkby Overblow, Harrogate, North Yorkshire, HG3 1HQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07788 410862 is
  • Who else gives the postcode HG3 1HQ
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Other names (3)

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

  • Brokered Loans Trading name
  • Fresh Start Debt Recovery Trading name
  • Fitzroy Financial 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 (6 permissions)
  • Credit Broking
  • Debt Administration
  • Debt-collecting
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties under a bill of sale loan 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
11748784
Company status
Active
Company type
Private limited company
Incorporated
3 January 2019 (7 years old)
Registered office
9 Kerry Street, Horsforth, Leeds, LS18 4AW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew William Raymond Gardiner Director Jul 1983 3 Jan 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 January 2025Small company accountsNot audited

Net assets

£1

Same as £1

Cash at bank

£1,148

−11% from £1,285

Employees (average)

1

Same as 1

Owed within a year

£555k

<1% from £549k

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 11748784. 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

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

Key events (4) All events (11)

2020

7 February 2020

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

FCA register

2019

3 January 2019

  • Incorporated at Companies House
  • Andrew William Raymond Gardiner 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 like Cardale Finance

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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 Cardale Finance

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Cardale Finance Limited FCA authorised?
Yes, Cardale Finance Limited (FRN 833782) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2020 and works as a lender. The FCA has placed no limits on its permissions.
What is Cardale Finance’s phone number?
The FCA register lists the phone number 07788 410862 for Cardale Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Cardale Finance a scam or clone?
Cardale 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 Cardale Finance?
Protection depends on which product you hold and how Cardale Finance handles your money, so check the specific product before you commit. You can also refer complaints about Cardale Finance to the Financial Ombudsman Service, free of charge.
Who owns Cardale Finance?
Companies House lists one person with significant control of Cardale Finance: Mr Andrew William Raymond Gardiner (75–100% of shares).
Who runs Cardale Finance?
Companies House lists one director of Cardale Finance: Andrew William Raymond Gardiner.
How long has Cardale Finance been in business?
The company was formed on 3 January 2019, and has held its current FCA authorisation since February 2020.
What do Cardale Finance’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £1 (same as £1) and cash at bank of £1,148 (−11% from £1,285).
Does Cardale Finance use any other names?
It trades as Brokered Loans and Fresh Start Debt Recovery. It has previously used the name Fitzroy Financial.

Sources and links

The full report on Cardale Finance Limited

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