Credit Vibe Finance Limited

Reference number: 765206

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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, 1 thing worth a closer look

  • When creditvibefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 380 0681 is
  • Who else gives the postcode CO4 5WR
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Other names (2)

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

  • MOTAFINANCE Trading name
  • Mollitium Finance Limited Former 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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
Company number
10484704
Company status
Active
Company type
Private limited company
Incorporated
17 November 2016 (9 years old)
Registered office
10484704 - COMPANIES HOUSE DEFAULT ADDRESS, Cardiff, CF14 8LH
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Filed accounts and finances

Year to 31 May 2024Micro-entity accountsNot audited

Net assets

−£890k

Down £107k from −£783k

Employees (average)

1

−50% from 2

Owed within a year

£42.0k

−80% from £206k

Its next accounts are overdue at Companies House.

Net assets are negative: on its last balance sheet the company owed £890k more than it owned.

No turnover or profit for the year to 31 May 2024: the accounts print them but do not tag them. The last tagged figures are £113k turnover and −£268k profit, for the year to 31 May 2022.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2021 to 2024
  • 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 10484704. 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

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

Key events (7) All events (17)

2025

1 September 2025

  • Charles Francis Coyne stopped being a part-owner

Companies House

2022

26 October 2022

  • Changed its registered name from "Mollitium Finance Limited"

FCA register

2017

15 February 2017

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

FCA register

2016

17 November 2016

  • Incorporated at Companies House
  • Ben Millensted became a part-owner (25–50% of shares)
  • Charles Francis Coyne became a part-owner (25–50% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms like Credit Vibe Finance

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

In Colchester

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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 Credit Vibe Finance

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

  • 3 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Credit Vibe Finance Limited FCA authorised?
Yes, Credit Vibe Finance Limited (FRN 765206) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a lender. The FCA has placed no limits on its permissions.
What is Credit Vibe Finance’s phone number and website?
The FCA register lists the phone number 0330 380 0681 and the website creditvibefinance.co.uk for Credit Vibe Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Vibe Finance a scam or clone?
Credit Vibe 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 Credit Vibe Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credit Vibe Finance handles your money, so check the specific product before you commit. You can also refer complaints about Credit Vibe Finance to the Financial Ombudsman Service, free of charge.
Who owns Credit Vibe Finance?
Companies House lists one person with significant control of Credit Vibe Finance: Mr Ben Millensted (25–50% of shares). Before that, it was controlled by Mr Charles Francis Coyne.
How long has Credit Vibe Finance been in business?
The company was formed on 17 November 2016, and has held its current FCA authorisation since February 2017.
What do Credit Vibe Finance’s latest accounts show?
Its latest accounts, to 31 May 2024, show net assets of −£890k (down £107k from −£783k). Its accounts are overdue at Companies House.
Does Credit Vibe Finance use any other names?
It trades as MOTAFINANCE. It has previously used the name Mollitium Finance Limited.

Sources and links

The full report on Credit Vibe Finance Limited

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