CIAO Finance Ltd

Reference number: 978085

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

TMG Direct Limited Reference number: 786245 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • CIAO Finance Ltd (FRN 978085) is an AR of TMG Direct Limited (FRN 786245). When you use CIAO Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CIAO Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

  • No website on the FCA register

  • Phone number

    07967 593541

  • Address

    Ciao Finance Ltd, Cliff Lane Farm, Cartridge Lane, WA4 4SH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07967 593541 is
  • Who else gives the postcode WA4 4SH
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Other names (11)

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

  • Click4ahomeownerloan.co.uk Trading name
  • Click4aloan.co.uk Trading name
  • Crayon Loans Trading name
  • Crayon Loans and Mortgages Trading name
  • crayonloansandmortgages.co.uk Trading name
  • Crayon Money Trading name
  • Crayon Mortgages Trading name
  • We Care About Loans Trading name
  • We Care About Loans and Mortgages Trading name
  • wecareaboutloansandmortgages.co.uk Trading name
  • We Care about Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TMG Direct 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
13561073
Company status
Active
Company type
Private limited company
Incorporated
11 August 2021 (5 years old)
Registered office
Cliff Lane Farm Cartridge Lane, Grappenhall, Warrington, WA4 4SH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Angelo Trapasso Director Jul 1970 11 Aug 2021 1 other company

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 August 2025Dormant company accountsNot audited

Net assets

−£112k

Down £12.7k from −£99.3k

Cash at bank

£26.5k

+616% from £3,698

Employees (average)

4

Up 4 from 0

Owed within a year

£112k

Up £105k from £6,994

Net assets are negative: on its last balance sheet the company owed £112k more than it owned.

These accounts were filed as dormant: the company reported no significant trading in the period.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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.

Accounts filed at Companies House for company 13561073. 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

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

Key events (3) All events (15)

2022

28 June 2022

  • Became an appointed representative

FCA register

2021

11 August 2021

  • Incorporated at Companies House
  • Angelo Trapasso took control (75–100% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like CIAO Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Warrington (WA) postcode area

Attache LimitedAltrinchamAppointed representativeBascom Financial Services LimitedWarringtonAppointed representativeBay Tree Finance LtdWarringtonAppointed representativeBespoke Funding Solutions LimitedSt. HelensAppointed representativeCheshire Asset Finance LimitedAltrinchamAppointed representativeClayton Hulme Corporate LimitedAltrinchamAppointed 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 CIAO Finance

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is CIAO Finance Ltd FCA authorised?
CIAO Finance Ltd (FRN 978085) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for CIAO Finance?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. CIAO Finance Ltd (FRN 978085) is an AR of TMG Direct Limited (FRN 786245). When you use CIAO Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CIAO Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 CIAO Finance’s phone number?
The FCA register lists the phone number 07967 593541 for CIAO Finance. If you were given different contact details, use these to check with the firm before going any further.
Is CIAO Finance a scam or clone?
CIAO 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 CIAO Finance?
Protection works through TMG Direct Limited, the principal firm responsible for CIAO Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CIAO Finance?
Companies House lists one person with significant control of CIAO Finance: Mr Angelo Trapasso (75–100% of shares).
Who runs CIAO Finance?
Companies House lists one director of CIAO Finance: Angelo Trapasso.
How long has CIAO Finance been in business?
The company was formed on 11 August 2021.
What do CIAO Finance’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of −£112k (down £12.7k from −£99.3k) and cash at bank of £26.5k (+616% from £3,698).
Does CIAO Finance use any other names?
It trades as Click4ahomeownerloan.co.uk, Click4aloan.co.uk, Crayon Loans, Crayon Loans and Mortgages and crayonloansandmortgages.co.uk, and 6 more names.

Sources and links

The full report on CIAO Finance Ltd

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