Change Finance Limited

Reference number: 675307

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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 changefinancegroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 01543 473400 is
  • Who else gives the postcode DE13 7JF
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Other names (4)

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

  • Change Finance and Leasing Trading name
  • Finance 4 Farmers Former trading name
  • Practice Finance Solutions Former trading name
  • Practice Loans and Leasing Former trading name

Past FCA permissions and consumer protection

  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Permissions on the FCA record

  • Lend or arrange credit
Show FCA detail (2 permissions)
  • Debt Administration
  • Debt-collecting

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
04517084
Company status
Active
Company type
Private limited company
Incorporated
22 August 2002 (24 years old)
Registered office
The Smithy Woodgate Stables, Crawley Lane, Kings Bromley, Staffs, DE13 7JF, England
Nature of business
  • Activities of collection agencies (SIC 82911)

Directors and company secretaries

Name Role Born Appointed Other companies
Karen Valerie Kent Director Oct 1968 21 Jul 2005 1 other company
Martin James Kent Director Mar 1967 21 Jul 2005 7 other companies
Karen Valerie Kent Secretary Not published 21 Jul 2005 1 other company

Other companies run by these 2 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
7
closed down
5
run together
1

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£131k

+2% from £128k

Employees (average)

5

Same as 5

Owed within a year

£106k

+42% from £74.6k

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 04517084. 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

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

Key events (6) All events (19)

2016

1 July 2016

  • Karen Valerie Kent became a part-owner (25–50% of shares)
  • Martin James Kent became a part-owner (25–50% of shares)

Companies House

2015

21 July 2015

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

FCA register

2005

21 July 2005

  • Board replaced: its only director left and 2 new directors took over

Companies House

2002

22 August 2002

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms like Change Finance

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

Elsewhere in the UK

Experian Refi Outsource Services LimitedNottinghamAuthorisedBarclays Security Trustee LimitedLondonAuthorisedFunding Circle LtdLondonAuthorisedPaymentsense LimitedLondonAuthorisedTranscom Worldwide (UK) LimitedLeedsAuthorisedThe Guinness Partnership LimitedLondonAuthorised

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 Change Finance

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 19 events in its history

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Frequently asked questions about this firm

Is Change Finance Limited FCA authorised?
Yes, Change Finance Limited (FRN 675307) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2015 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Change Finance’s phone number and website?
The FCA register lists the phone number 01543 473400 and the website changefinancegroup.co.uk for Change Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Change Finance a scam or clone?
Change 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 Change Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Change Finance handles your money, so check the specific product before you commit. You can also refer complaints about Change Finance to the Financial Ombudsman Service, free of charge.
Who owns Change Finance?
Companies House lists 2 people with significant control of Change Finance: Mrs Karen Valerie Kent (25–50% of shares) and Mr Martin James Kent (25–50% of shares).
Who runs Change Finance?
Companies House lists 2 directors of Change Finance: Karen Valerie Kent and Martin James Kent.
How long has Change Finance been in business?
The company was formed on 22 August 2002, and has held its current FCA authorisation since July 2015.
What do Change Finance’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £131k (+2% from £128k).
Does Change Finance use any other names?
It trades as Change Finance and Leasing. It has previously used 3 other names: Finance 4 Farmers, Practice Finance Solutions and Practice Loans and Leasing.

Sources and links

The full report on Change Finance Limited

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