Cumbria Asset Finance Limited

Reference number: 673161

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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 financeconnect.co first appeared online, and whether it can receive email
  • What kind of line 01768 863025 is
  • Who else gives the postcode PR1 3BY
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Other names (1)

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

  • Finance Connect Cumbria 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
  • Debt Adjusting
  • Debt-counselling

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
04627832
Company status
Active
Company type
Private limited company
Incorporated
3 January 2003 (23 years old)
Registered office
Cotton Court Business Centre Cotton Court, Church Street, Preston, PR1 3BY, England
Nature of business
  • Financial leasing (SIC 64910)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Peter John Oliphant Director Sep 1965 12 Apr 2010 None
Julia Kay Oliphant Secretary Not published 1 Nov 2014 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£144

Down £70 from £214

Cash at bank

£118

−97% from £4,104

Owed within a year

£13.7k

−19% from £17.0k

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.

Accounts filed at Companies House for company 04627832. 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

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

Key events (5) All events (11)

2016

6 April 2016

  • Peter John Oliphant took control (75–100% of shares)

Companies House

2015

30 June 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2003

3 January 2003

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Cumbria Asset Finance

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Cumbria Asset Finance

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

In Preston

Alec james GabbattPrestonAuthorisedChris JacksonPrestonAuthorisedChristopher James Wright-DixonPrestonAuthorisedIdeal Sales Solutions LtdPrestonAuthorisedKingsbarn Capital LtdPrestonAuthorisedLee HartleyPrestonAuthorised

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 Cumbria Asset 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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 11 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cumbria Asset Finance Limited FCA authorised?
Yes, Cumbria Asset Finance Limited (FRN 673161) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Cumbria Asset Finance’s phone number and website?
The FCA register lists the phone number 01768 863025 and the website financeconnect.co for Cumbria Asset Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Cumbria Asset Finance a scam or clone?
Cumbria Asset 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 Cumbria Asset Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Cumbria Asset Finance handles your money, so check the specific product before you commit. You can also refer complaints about Cumbria Asset Finance to the Financial Ombudsman Service, free of charge.
Who owns Cumbria Asset Finance?
Companies House lists one person with significant control of Cumbria Asset Finance: Mr Peter John Oliphant (75–100% of shares).
Who runs Cumbria Asset Finance?
Companies House lists one director of Cumbria Asset Finance: Peter John Oliphant.
How long has Cumbria Asset Finance been in business?
The company was formed on 3 January 2003, and has held its current FCA authorisation since June 2015.
What do Cumbria Asset Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £144 (down £70 from £214) and cash at bank of £118 (−97% from £4,104).
Does Cumbria Asset Finance use any other names?
It trades as Finance Connect Cumbria.

Sources and links

The full report on Cumbria Asset Finance Limited

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