Commercial Sense Limited

Reference number: 834473

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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 commercial-sense.co.uk first appeared online, and whether it can receive email
  • What kind of line 07540 137010 is
  • Who else gives the postcode PE19 5SL
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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
11301332
Company status
Active
Company type
Private limited company
Incorporated
10 April 2018 (8 years old)
Registered office
24 Park Road, Buckden, Cambs, PE19 5SL, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Terence Michael Dean Director Feb 1965 10 Apr 2018 3 other companies
Neil John Wilfrid Manley Director Mar 1962 10 Apr 2018 1 other company
Barry James Burroughs Director Mar 1966 1 Oct 2020 1 other company

Other companies run by these 3 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
3
still active
3
run together
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£4,952

<1% from £4,935

Employees (average)

0

Same as 0

Owed within a year

£19.1k

+96% from £9,718

The accounts for the year to 30 April 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £42.1k, for the year to 30 April 2021.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company 11301332. 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

Commercial Sense’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2023

12 April 2023

  • Barry James Burroughs became a part-owner (25–50% of shares)
  • Neil John Wilfrid Manley became a part-owner (25–50% of shares)
  • Terence Michael Dean became a part-owner (25–50% of shares)

Companies House

2019

10 June 2019

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

FCA register

2018

10 April 2018

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like Commercial Sense

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

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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 Commercial Sense

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Commercial Sense Limited FCA authorised?
Yes, Commercial Sense Limited (FRN 834473) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2019 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Commercial Sense’s phone number and website?
The FCA register lists the phone number 07540 137010 and the website commercial-sense.co.uk for Commercial Sense. If you were given different contact details, use these to check with the firm before going any further.
Is Commercial Sense a scam or clone?
Commercial Sense 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 Commercial Sense?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Commercial Sense handles your money, so check the specific product before you commit. You can also refer complaints about Commercial Sense to the Financial Ombudsman Service, free of charge.
Who owns Commercial Sense?
Companies House lists 3 people with significant control of Commercial Sense: Mr Neil John Wilfrid Manley (25–50% of shares), Mr Terence Michael Dean (25–50% of shares) and Mr Barry James Burroughs (25–50% of shares).
Who runs Commercial Sense?
Companies House lists 3 directors of Commercial Sense: Terence Michael Dean, Neil John Wilfrid Manley and Barry James Burroughs.
How long has Commercial Sense been in business?
The company was formed on 10 April 2018, and has held its current FCA authorisation since June 2019.
What do Commercial Sense’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £4,952 (<1% from £4,935).

Sources and links

The full report on Commercial Sense Limited

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