Charnley's Home and Garden Limited

Reference number: 784113

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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 charnleys.co.uk first appeared online, and whether it can receive email
  • What kind of line 01229 464225 is
  • Who else gives the postcode LA15 8JH
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Other names (1)

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

  • Charnley's Home & Garden 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 (1 permission)
  • Credit Broking

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
05340947
Company status
Active
Company type
Private limited company
Incorporated
25 January 2005 (21 years old)
Registered office
Crocklands Brow, Dalton In Furness, Cumbria, LA15 8JH
Nature of business
  • Wholesale of flowers and plants (SIC 46220)

Directors and company secretaries

Name Role Born Appointed Other companies
Marc Charnley Director Feb 1973 25 Jan 2005 4 other companies
Sam Procter Director Oct 1993 17 Aug 2023 None
Marc Charnley Secretary Not published 25 Jan 2005 4 other companies

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
4
closed down
3
still active
1

In the full report: all 4 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£1.99m

+14% from £1.75m

Cash at bank

£803k

+73% from £465k

Employees (average)

53

+6% from 50

Owed within a year

£1.07m

+30% from £826k

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 05340947. 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

Charnley's Home and Garden’s history from the FCA register and Companies House, newest first.

Key events (6) All events (14)

2022

22 June 2022

  • Llewelyn Charnley stopped being a part-owner

Companies House

2017

21 August 2017

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

FCA register

2016

6 April 2016

  • Llewelyn Charnley became a part-owner (25–50% of shares)
  • Marc Charnley took control (75–100% of shares)

Companies House

2005

25 January 2005

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms like Charnley's Home and Garden

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

In the Lancaster (LA) postcode area

D T CloseSedberghAuthorisedDenver PeelMorecambeAuthorisedDr Neelraj GokulMorecambeAuthorisedGary BakerCumbriaAuthorisedHenry Armer & SonUlverstonAuthorisedJA Gardner & SonsKendalAuthorised

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 Charnley's Home and Garden

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Charnley's Home and Garden Limited FCA authorised?
Yes, Charnley's Home and Garden Limited (FRN 784113) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2017 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Charnley's Home and Garden’s phone number and website?
The FCA register lists the phone number 01229 464225 and the website charnleys.co.uk for Charnley's Home and Garden. If you were given different contact details, use these to check with the firm before going any further.
Is Charnley's Home and Garden a scam or clone?
Charnley's Home and Garden 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 Charnley's Home and Garden?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Charnley's Home and Garden handles your money, so check the specific product before you commit. You can also refer complaints about Charnley's Home and Garden to the Financial Ombudsman Service, free of charge.
Who owns Charnley's Home and Garden?
Companies House lists one person with significant control of Charnley's Home and Garden: Mr Marc Charnley (75–100% of shares). Before that, it was controlled by Mr Llewelyn Charnley.
Who runs Charnley's Home and Garden?
Companies House lists 2 directors of Charnley's Home and Garden: Marc Charnley and Sam Procter.
How long has Charnley's Home and Garden been in business?
The company was formed on 25 January 2005, and has held its current FCA authorisation since August 2017.
What do Charnley's Home and Garden’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £1.99m (+14% from £1.75m) and cash at bank of £803k (+73% from £465k).
Does Charnley's Home and Garden use any other names?
It has previously used the name Charnley's Home & Garden.

Sources and links

The full report on Charnley's Home and Garden Limited

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