Cockle Finance Limited

Reference number: 804740

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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 cocklefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01708 755490 is
  • Who else gives the postcode RM1 1BW
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Other names (6)

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

  • bad-credit-loans.co.uk Trading name
  • bcloans.co.uk Former trading name
  • Greybridge Finance Former trading name
  • Lending Leads Former trading name
  • Origin Loans Former trading name
  • Short Loans 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 (3 permissions)
  • Credit Broking
  • Entering into a regulated home credit loan agreement as lender
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement

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
11249493
Company status
Active
Company type
Private limited company
Incorporated
11 March 2018 (8 years old)
Registered office
146 New London Road, Chelmsford, CM2 0AW, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Janice Cockle Director Oct 1958 11 Mar 2018 None
Stephen John Cockle Director Mar 1957 11 Mar 2018 None
Daniel Robert Cockle Director Jul 1987 14 Oct 2019 7 other companies
Lauren Terry Carmen Cockle Director Apr 1991 12 Mar 2024 1 other company

Other companies run by these 4 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 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£197k

+58% from £125k

Cash at bank

£96.2k

+380% from £20.0k

Employees (average)

8

+14% from 7

Owed within a year

£106k

+84% from £57.3k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2018 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 11249493. 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

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

Key events (9) All events (29)

2026

7 October 2026

  • Lauren Terry Carmen Cockle became a part-owner (25–50% of shares)

Companies House

2024

29 October 2024

  • Janice Cockle stopped being a part-owner
  • Stephen John Cockle stopped being a part-owner

Companies House

2020

19 February 2020

  • Daniel Robert Cockle became the majority owner (50–75% of shares)

Companies House

2018

23 November 2018

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

FCA register

11 March 2018

  • Incorporated at Companies House
  • Janice Cockle became a part-owner (25–50% of shares)
  • Stephen John Cockle became a part-owner (25–50% of shares)

Companies House

In the full report: all 29 events

  • All 29 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms like Cockle Finance

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

In Romford

Devitt Insurance Services LimitedRomfordAuthorisedLawrence Mark DevonRomfordSee the registerNova Premium Finance LtdRomfordAuthorisedRichard ArmstrongRomfordAuthorisedGrange Distributors (Romford) LtdRomfordAuthorisedMetro Security (GB) PLCRomfordAuthorised

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 Cockle 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
  • 8 years of accounts, charted
  • All 29 events in its history

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Frequently asked questions about this firm

Is Cockle Finance Limited FCA authorised?
Yes, Cockle Finance Limited (FRN 804740) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is Cockle Finance’s phone number and website?
The FCA register lists the phone number 01708 755490 and the website cocklefinance.co.uk for Cockle Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Cockle Finance a scam or clone?
Cockle 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 Cockle Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Cockle Finance handles your money, so check the specific product before you commit. You can also refer complaints about Cockle Finance to the Financial Ombudsman Service, free of charge.
Who owns Cockle Finance?
Companies House lists 2 people with significant control of Cockle Finance: Mr Daniel Robert Cockle (50–75% of shares) and Mrs Lauren Terry Carmen Cockle (25–50% of shares). Before that, it was controlled by Stephen John Cockle and Janice Cockle.
Who runs Cockle Finance?
Companies House lists 4 directors of Cockle Finance: Janice Cockle, Stephen John Cockle, Daniel Robert Cockle and Lauren Terry Carmen Cockle.
How long has Cockle Finance been in business?
The company was formed on 11 March 2018, and has held its current FCA authorisation since November 2018.
What do Cockle Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £197k (+58% from £125k) and cash at bank of £96.2k (+380% from £20.0k).
Does Cockle Finance use any other names?
It trades as bad-credit-loans.co.uk. It has previously used 5 other names, including bcloans.co.uk, Greybridge Finance and Lending Leads.

Sources and links

The full report on Cockle Finance Limited

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