Charles and Dean Limited

Reference number: 653592

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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 charlesanddean.com first appeared online, and whether it can receive email
  • What kind of line 01780 763836 is, and the other firm that gives it
  • Who else gives the postcode PE9 4TD
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Other names (2)

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

  • Charles & Dean Finance Trading name
  • Funding Xchange Powered by Charles & Dean 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
07924225
Company status
Active
Company type
Private limited company
Incorporated
25 January 2012 (14 years old)
Registered office
2 The Granary, Copthill Farm Enterprises Deeping Road, Uffington, Stamford, PE9 4TD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Philip Charles Perkins Director Sep 1989 29 Nov 2013 3 other companies
Simon William Dean Grace Director Oct 1984 30 Nov 2013 4 other companies
Thomas Philip Charles Perkins Secretary Not published 29 Nov 2013 –

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
6
closed down
4
run together
1

In the full report: all 6 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£199k

+343% from £45.0k

Cash at bank

£129k

−85% from £851k

Employees (average)

50

+22% from 41

Owed within a year

£950k

+58% from £600k

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 07924225. 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

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

Key events (11) All events (19)

2025

31 March 2025

  • Evergrace Horizons Ltd became a part-owner (25–50% of shares)
  • Perkins & Co. UK Ltd became a part-owner (25–50% of shares)
  • Simon William Dean Grace stopped being a part-owner
  • Thomas Philip Charles Perkins stopped being a part-owner

Companies House

2016

6 April 2016

  • Simon William Dean Grace became a part-owner (25–50% of shares)
  • Thomas Philip Charles Perkins became a part-owner (25–50% of shares)

Companies House

2015

1 April 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2013

29 November 2013

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

Companies House

2012

25 January 2012

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (11 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Charles and Dean

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

connected firm
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Charles and Dean

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

In Stamford

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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 Charles and Dean

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

  • 6 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
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Charles and Dean Limited FCA authorised?
Yes, Charles and Dean Limited (FRN 653592) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Charles and Dean’s phone number and website?
The FCA register lists the phone number 01780 763836 and the website charlesanddean.com for Charles and Dean. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Charles and Dean a scam or clone?
Charles and Dean 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 Charles and Dean?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Charles and Dean handles your money, so check the specific product before you commit. You can also refer complaints about Charles and Dean to the Financial Ombudsman Service, free of charge.
Who owns Charles and Dean?
Companies House lists 2 people with significant control of Charles and Dean: Evergrace Horizons Ltd (25–50% of shares) and Perkins & Co. UK Ltd (25–50% of shares). Before that, it was controlled by Mr Simon William Dean Grace and Mr Thomas Philip Charles Perkins.
Who runs Charles and Dean?
Companies House lists 2 directors of Charles and Dean: Thomas Philip Charles Perkins and Simon William Dean Grace.
How long has Charles and Dean been in business?
The company was formed on 25 January 2012, and has held its current FCA authorisation since April 2015.
What do Charles and Dean’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £199k (+343% from £45.0k) and cash at bank of £129k (−85% from £851k).
Does Charles and Dean use any other names?
It trades as Charles & Dean Finance and Funding Xchange Powered by Charles & Dean.

Sources and links

The full report on Charles and Dean Limited

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