Ebac Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 7 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1973
Accounts filed up to 31 December 2024
On its latest accounts it owed £6.32m more than it owned

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.

Website

ebac.com (opens in a new tab)
Phone number

01388 600381
Address

Ebac Ltd, Ketton Way, Aycliffe Business Park, Newton Aycliffe, Durham, DL5 6SQ, United Kingdom

In the full report: 3 background checks

When ebac.com first appeared online, and whether it can receive email
What kind of line 01388 600381 is
Who else gives the postcode DL5 6SQ

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 (1 permission)

Credit Broking

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: 01089991 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 January 1973 (53 years old)
Registered office: Ketton Way, Aycliffe Industrial Park, Newton Aycliffe, County Durham, DL5 6SR
Nature of business: Other manufacturing not elsewhere classified (SIC 32990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Amanda Hird	Director	Mar 1969	20 Feb 2017	1 other company
John Malcolm Elliott	Director	Dec 1943	Not published	14 other companies
Amanda Hird	Secretary	Not published	15 Mar 2001	–

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: 14
closed down: 5
run together: 1

In the full report: all 14 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
The 1 company these 2 directors run together
All 13 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2024Full accountsAudited

Profit before tax

−£5.02m

Down £2.69m from −£2.33m

Net assets

−£6.32m

Down £4.90m from −£1.43m

Cash at bank

£539k

+174% from £197k

Owed within a year

£20.7m

+1.7% from £20.3m

Net assets are negative: on its last balance sheet the company owed £6.32m more than it owned.

The accounts for the year to 31 December 2024 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £20.1m, for the year to 31 December 2021.

Profit before tax

In the full report: all 6 years of accounts

Every year from 2019 to 2024
Both charts, over every year
Every filed figure, year by year

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 01089991. 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

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

Key events (4) All events (26)

2019

13 August 2019

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

FCA register

2016

6 April 2016

Ebac Group Ltd took control (75–100% of shares)

Companies House

1973

5 January 1973

Incorporated at Companies House

Companies House

In the full report: all 26 events

All 26 events in its history (4 shown here)
Every director appointment and resignation: 20

Firms like Ebac

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

In Newton Aycliffe

Business Finance Market LtdNewton AycliffeAuthorised James AskewNewton AycliffeAuthorised

In the Darlington (DL) postcode area

Charles WilsonDarlingtonAuthorised Christopher LandDarlingtonAuthorised Coxhoe Service & SupplySpennymoorAuthorised Graham Anthony HolmesBishop AucklandAuthorised

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 Ebac

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

14 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 26 events in its history

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Frequently asked questions about this firm

Is Ebac Limited FCA authorised?

Yes, Ebac Limited (FRN 845382) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2019 and works as a credit broker. The FCA has placed no limits on its permissions.

What is Ebac’s phone number and website?

The FCA register lists the phone number 01388 600381 and the website ebac.com for Ebac. If you were given different contact details, use these to check with the firm before going any further.

Is Ebac a scam or clone?

Ebac 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 Ebac?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Ebac handles your money, so check the specific product before you commit. You can also refer complaints about Ebac to the Financial Ombudsman Service, free of charge.

Who owns Ebac?

Ebac is owned by Ebac Group Ltd, which holds 75–100% of shares, since 6 April 2016.

Who runs Ebac?

Companies House lists 2 directors of Ebac: Amanda Hird and John Malcolm Elliott.

How long has Ebac been in business?

The company was formed on 5 January 1973, and has held its current FCA authorisation since August 2019.

What do Ebac’s latest accounts show?

Its latest accounts, to 31 December 2024, show profit before tax of −£5.02m (down £2.69m from −£2.33m) and net assets of −£6.32m (down £4.90m from −£1.43m).