CarloverNI Limited

Reference number: 1043762

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Loanitt UK Limited Reference number: 970579 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • CarloverNI Limited (FRN 1043762) introduces customers to Loanitt UK Limited (FRN 970579). Any regulated advice or arranging is done by the principal, not CarloverNI.
  • Example: if CarloverNI refers you to a financial adviser, the advice should come from the principal firm, not from CarloverNI itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 carlover.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 9099 4410 is
  • Who else gives the postcode BT2 8FE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Loanitt UK Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
NI657269
Company status
Active
Company type
Private limited company
Incorporated
21 November 2018 (7 years old)
Registered office
Titanic Suites, Adelaide Street, Belfast, BT2 8FE, Northern Ireland
Nature of business
  • Other software publishing (SIC 58290)

Directors and company secretaries

Name Role Born Appointed Other companies
David Andrew Henderson Director Aug 1987 21 Nov 2018 None
John Gerard Loughrey Director Jan 1981 21 Nov 2018 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

£27.1k

+3.3% from £26.3k

Employees (average)

1

Same as 1

Owed within a year

£33.8k

+11% from £30.5k

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
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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 NI657269. 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

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

2025

9 October 2025

  • Became an introducer appointed representative

FCA register

2018

21 November 2018

  • Incorporated at Companies House
  • David Andrew Henderson became a part-owner (25–50% of shares)
  • John Gerard Loughrey became a part-owner (25–50% of shares)
  • David Andrew Henderson appointed as a director
  • John Gerard Loughrey appointed as a director

Companies House

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

Firms like CarloverNI

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

In Belfast

Irish National Teachers OrganisationBelfastAppointed representativeActive Money Solutions LimitedBelfastAppointed representativeAleksandr BorisovBelfastAppointed representativeAran McCorryBelfastAppointed representativeAshwood Commercial Finance LLPBelfastAppointed representativeChristopher ScannellBelfastAppointed representative

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 CarloverNI

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is CarloverNI Limited FCA authorised?
CarloverNI Limited (FRN 1043762) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for CarloverNI?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. CarloverNI Limited (FRN 1043762) introduces customers to Loanitt UK Limited (FRN 970579). Any regulated advice or arranging is done by the principal, not CarloverNI. Example: if CarloverNI refers you to a financial adviser, the advice should come from the principal firm, not from CarloverNI itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is CarloverNI’s phone number and website?
The FCA register lists the phone number 028 9099 4410 and the website carlover.co.uk for CarloverNI. If you were given different contact details, use these to check with the firm before going any further.
Is CarloverNI a scam or clone?
CarloverNI 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 CarloverNI?
Protection works through Loanitt UK Limited, the principal firm responsible for CarloverNI's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CarloverNI?
Companies House lists 2 people with significant control of CarloverNI: Mr David Andrew Henderson (25–50% of shares) and Mr John Gerard Loughrey (25–50% of shares).
Who runs CarloverNI?
Companies House lists 2 directors of CarloverNI: David Andrew Henderson and John Gerard Loughrey.
How long has CarloverNI been in business?
The company was formed on 21 November 2018.
What do CarloverNI’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £27.1k (+3.3% from £26.3k).

Sources and links

The full report on CarloverNI Limited

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