Constructive Lending Limited

Reference number: 772565

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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, 1 thing worth a closer look

  • When affirmative.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 828 8400 is, and the 2 other firms that give it
  • Who else gives the postcode M2 6XX
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Other names (1)

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

  • Affirmative Trading name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
05713322
Company status
Active
Company type
Private limited company
Incorporated
17 February 2006 (20 years old)
Registered office
7 St James Square, Manchester, M2 6XX
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Eugene Barry Esterkin Director Nov 1958 17 Feb 2006 21 other companies
Gary Scott Lederberg Director Apr 1972 17 Feb 2006 7 other companies
Paul Edward Mitchell Director Dec 1976 16 Feb 2010 4 other companies
Gary Scott Lederberg Secretary Not published 17 Feb 2006 7 other companies

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
21
closed down
5
went insolvent
1

In the full report: all 21 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 5 on the FCA register
  • The 8 companies these 3 directors run together
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Filed accounts and finances

Year to 28 February 2025Micro-entity accountsNot audited

Net assets

£330k

+42% from £233k

Employees (average)

0

Same as 0

Owed within a year

£253k

−70% from £831k

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 05713322. 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

Constructive Lending’s history from the FCA register and Companies House, newest first.

Key events (8) All events (12)

2018

28 February 2018

  • Eugene Barry Esterkin gained significant control
  • Eugene Barry Esterkin stopped being a part-owner
  • Gary Scott Lederberg became a part-owner (25–50% of shares)

Companies House

27 February 2018

  • David Alliance stopped being a part-owner

Companies House

2017

7 March 2017

  • Registered with the FCA

FCA register

2016

6 April 2016

  • David Alliance became a part-owner (25–50% of shares)
  • Eugene Barry Esterkin became a part-owner (25–50% of shares)

Companies House

2006

17 February 2006

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Constructive Lending

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

connected firms
4
share a director
4
share its phone number
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same phone number (2), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Get the full report on Constructive Lending

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

  • 21 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 12 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Constructive Lending Limited FCA authorised?
Constructive Lending Limited (FRN 772565) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Constructive Lending’s phone number and website?
The FCA register lists the phone number 0161 828 8400 and the website affirmative.co.uk for Constructive Lending. 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 2 other FCA firms.
Is Constructive Lending a scam or clone?
Constructive Lending is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Constructive Lending?
Money you hand to Constructive Lending is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Constructive Lending?
Companies House lists 2 people with significant control of Constructive Lending: Mr Gary Scott Lederberg (25–50% of shares) and Mr Eugene Barry Esterkin (significant influence or control). Before that, it was controlled by Lord David Alliance.
Who runs Constructive Lending?
Companies House lists 3 directors of Constructive Lending: Eugene Barry Esterkin, Gary Scott Lederberg and Paul Edward Mitchell.
How long has Constructive Lending been in business?
The company was formed on 17 February 2006.
What do Constructive Lending’s latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £330k (+42% from £233k).
Does Constructive Lending use any other names?
It trades as Affirmative.

Sources and links

The full report on Constructive Lending Limited

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