Elbec Limited

Reference number: 953457

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Authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    c/o Jo Watts and Kelly Goodman of McTear Williams and Wood Limited, Prospect House, Rouen Road, Norwich, NR1 1RE, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode NR1 1RE
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Other names (1)

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

  • Elbec Garden Buildings Trading name

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
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.

Concerns on the company record

  • This company has insolvency history on record.
Company number
05148676
Company status
Active
Company type
Private limited company
Incorporated
8 June 2004 (22 years old)
Registered office
Prospect House, Rouen Road, Norwich, NR1 1RE
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Edmund Oliver Smeeth Director Sep 1985 6 Aug 2026 17 other companies
Sam Peter Smeeth Director Dec 1982 6 Aug 2026 7 other companies
Simon Victor Smeeth Director Dec 1955 6 Aug 2026 9 other companies
Martin Adrian Bernhofs Secretary Not published 20 Jun 2004 –

Other companies run by these 3 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
20
closed down
2
run together
8

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 8 companies these 3 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

£528k

−24% from £692k

Cash at bank

£174k

−9.3% from £191k

Employees (average)

7

−22% from 9

Owed within a year

£378k

+23% from £307k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 05148676. 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

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

Key events (9) All events (23)

2026

6 August 2026

  • Board replaced: both directors left and 3 new directors took over

Companies House

2021

9 November 2021

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

FCA register

2017

10 August 2017

  • Ceble Limited took control (75–100% of shares)
  • Marilyn Patricia Bernhofs stopped being a part-owner
  • Martin Adrian Bernhofs stopped being a part-owner

Companies House

2016

6 April 2016

  • Marilyn Patricia Bernhofs became a part-owner (25–50% of shares)
  • Martin Adrian Bernhofs became a part-owner (25–50% of shares)

Companies House

2004

8 June 2004

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (9 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Elbec

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Elbec

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

In Norwich

Anthony HydeNorwichAuthorisedAudeo FS LimitedNorwichAuthorisedC J Ball & SonNorwichAuthorisedDowntide CaravansNorwichAuthorisedMark Andrew CarterNorwichAuthorisedMr Shane SadlerNorwichAuthorised

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 Elbec

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

  • 20 other companies its directors have run, named
  • 1 background check on its contact details
  • 6 years of accounts, charted
  • All 23 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Elbec Limited FCA authorised?
Yes, Elbec Limited (FRN 953457) is authorised by the FCA to carry out regulated activities. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm. It has held its current authorisation since November 2021 and works as a credit broker. The FCA has placed no limits on its permissions.
Is Elbec a scam or clone?
Elbec 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 Elbec?
Elbec is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Elbec?
Elbec is owned by Ceble Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 August 2017. Before that, it was controlled by Mr Martin Adrian Bernhofs and Mrs Marilyn Patricia Bernhofs.
Who runs Elbec?
Companies House lists 3 directors of Elbec: Edmund Oliver Smeeth, Sam Peter Smeeth and Simon Victor Smeeth.
How long has Elbec been in business?
The company was formed on 8 June 2004, and has held its current FCA authorisation since November 2021.
What do Elbec’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £528k (−24% from £692k) and cash at bank of £174k (−9.3% from £191k).
Does Elbec use any other names?
It trades as Elbec Garden Buildings.

Sources and links

The full report on Elbec Limited

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