Earful Ltd

Reference number: 984933

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Tabeo Finance Limited Reference number: 777539 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • EARFUL LTD (FRN 984933) introduces customers to Tabeo Finance Limited (FRN 777539). Any regulated advice or arranging is done by the principal, not EARFUL.
  • Example: if EARFUL refers you to a financial adviser, the advice should come from the principal firm, not from EARFUL itself.
  • 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.

In the full report: 3 background checks

  • When earful.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 175 8887 is
  • Who else gives the postcode BB1 3BL
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Tabeo Finance Limited, 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, free
    You 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
13343731
Company status
Active
Company type
Private limited company
Incorporated
19 April 2021 (5 years old)
Registered office
29-31 Knowsley Street, Bolton, BL1 2AS, England
Nature of business
  • Retail sale of hearing aids (SIC 47741)
  • Specialists medical practice activities (SIC 86220)
  • Other human health activities (SIC 86900)

Directors and company secretaries

Name Role Born Appointed Other companies
Aamir Rafik Mohammed Adam Director Jun 1997 19 Apr 2021 2 other companies
Rafik Mohammed Adam Director Dec 1973 22 Oct 2025 11 other companies

Other companies run by these 2 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
13
closed down
8
still active
5

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2026Abridged accountsNot audited

Net assets

−£217k

−184% from £258k

Cash at bank

£24.6k

No earlier figure to compare

Employees (average)

15

+7.1% from 14

Owed within a year

£273k

−16% from £324k

Net assets are negative: on its last balance sheet the company owed £217k more than it owned.

Net assets

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 13343731. 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

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

Key events (6) All events (11)

2025

17 April 2025

  • Nizamuddin Yakub Babariya stopped being a part-owner
  • Rizwana Adam became a part-owner (25–50% of shares)

Companies House

2022

7 October 2022

  • Became an introducer appointed representative

FCA register

2021

1 November 2021

  • Nizamuddin Yakub Babariya became a part-owner (25–50% of shares)

Companies House

19 April 2021

  • Incorporated at Companies House
  • Aamir Rafik Mohammed Adam became the majority owner (50–75% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Earful

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Earful

Other firms of the same type (dental or medical practice), nearest first.

In Blackburn

synergy dental clinic blackburn ltdBlackburnAppointed representativeBVSS LtdBlackburnAuthorised

In the Blackburn (BB) postcode area

Blue Sky Dent LtdDarwenAppointed representativeJ Oliver Radley Opticians LimitedDarwenAppointed representativeJames Kidner Opticians LimitedDarwenAppointed representativeMonnow Eyecare LimitedDarwenAppointed representative

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 Earful

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 11 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Earful Ltd FCA authorised?
Earful Ltd (FRN 984933) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Earful?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Earful Ltd (FRN 984933) introduces customers to Tabeo Finance Limited (FRN 777539). Any regulated advice or arranging is done by the principal, not Earful. Example: if Earful refers you to a financial adviser, the advice should come from the principal firm, not from Earful itself. 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.
What is Earful’s phone number and website?
The FCA register lists the phone number 0330 175 8887 and the website Earful.co.uk for Earful. If you were given different contact details, use these to check with the firm before going any further.
Is Earful a scam or clone?
Earful 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 Earful?
Protection works through Tabeo Finance Limited, the principal firm responsible for Earful's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Earful?
Companies House lists 2 people with significant control of Earful: Mr Aamir Rafik Mohammed Adam (50–75% of shares) and Mrs Rizwana Adam (25–50% of shares). Before that, it was controlled by Mr Nizamuddin Yakub Babariya.
Who runs Earful?
Companies House lists 2 directors of Earful: Aamir Rafik Mohammed Adam and Rafik Mohammed Adam.
How long has Earful been in business?
The company was formed on 19 April 2021.
What do Earful’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of −£217k (−184% from £258k) and cash at bank of £24.6k (no earlier figure to compare).

Sources and links

The full report on Earful Ltd

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