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.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 30 April 2025
Responsible principal firm
The Fiducia Network Ltd Reference number: 917537 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.
- Craven Commercial Finance Limited (FRN 1008548) is an AR of The Fiducia Network Ltd (FRN 917537). When you use Craven Commercial Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Craven Commercial 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.
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No website on the FCA register
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Phone number
-
Address
Unit 308 Theobalds Enterprise Centre, Theobalds Business Park, Innovation Place Platinum Way, Cheshunt, Waltham Cross, Hertfordshire, EN8 8YD, United Kingdom
In the full report: 2 background checks
- What kind of line 07950 949845 is, and the other firm that gives it
- Who else gives the postcode EN8 8YD
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Fiducia Network Ltd, 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, freeYou 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
- 15302571 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 November 2023 (2 years old)
- Registered office
- 6-7 Castle Gate, Castle Street, Hertford, Hertfordshire, SG14 1HD, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Simon Matthew Craven | Director | Jun 1976 | 22 Nov 2023 | None |
| Danny Robert Charles Payton | Director | Mar 1977 | 22 Nov 2023 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Total equity
£18.9k
Up £18.7k from £200
Cash at bank
£23.9k
No earlier figure to compare
Employees (average)
2
Same as 2
Owed within a year
£5,704
No earlier figure to compare
Total equity
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 15302571. 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
Craven Commercial Finance’s history from the FCA register and Companies House, newest first.
2024
24 February 2024
- Became an appointed representative
FCA register
2023
22 November 2023
- Incorporated at Companies House
- Simon Matthew Craven took control (75–100% of shares)
- Danny Robert Charles Payton appointed as a director
- Simon Matthew Craven appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Craven Commercial Finance
Other FCA-listed firms that share a director, phone number or address with Craven Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its phone number
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Craven Commercial Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Waltham Cross
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 Craven Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 5 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do Craven Commercial Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk