Enghamshire Limited: FCA regulated?

On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

Registered for 15 years
No FCA actions
Active company since 2004
Accounts filed up to 29 December 2024
On its latest accounts it owed £46.8m more than it owned

What does this mean?

Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

MYO Piccadilly, 1 Sherwood Street, London, W1F 7BL, United Kingdom

In the full report: 1 background check

Who else gives the postcode W1F 7BL

Other names (1)

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

Ingenious Resources Limited Former name: A name it was registered under before.

Past FCA permissions and consumer protection

Money-laundering registration only
This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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: 05312742 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 December 2004 (21 years old)
Registered office: Myo Piccadilly, 1 Sherwood Street, London, W1F 7BL, United Kingdom
Nature of business: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Duncan Murray Reid	Director	Jul 1958	14 Dec 2004	569 other companies
Sarah Cruickshank	Secretary	Not published	11 Oct 2006	–

Other companies run by its director

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: 569
closed down: 395
went insolvent: 43

In the full report: all 569 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
The 43 that went into liquidation or administration
The 4 on the FCA register
All 11 people who have ever been directors, with their dates

Filed accounts and finances

Year to 29 December 2024Full accountsAudited

Turnover

£58.0k

−70% from £196k

Profit before tax

£18.0k

From a loss of £2.01m

Total equity

−£46.8m

Down £89.0k from −£46.7m

Cash at bank

£150k

Up £150k from £0

Total equity is negative: on its last balance sheet the company owed £46.8m more than it owned.

Turnover and profit

In the full report: all 4 years of accounts

Every year from 2020 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 05312742. 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

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

Key events (4) All events (23)

2023

22 November 2023

Changed its registered name from "Ingenious Resources Limited"

FCA register

2017

1 January 2017

Freeshire Limited took control (75–100% of shares)

Companies House

2011

22 March 2011

Registered with the FCA

FCA register

2004

14 December 2004

Incorporated at Companies House

Companies House

In the full report: all 23 events

All 23 events in its history (4 shown here)
Every director appointment and resignation: 19

Firms connected to Enghamshire

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

connected firms: 3
share a director: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: shared directors (3), the same postcode (3)
Who links each one: the named directors, with dates
1 past link through former directors

Get the full report on Enghamshire

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

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

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Enghamshire Limited FCA authorised?

Enghamshire Limited (FRN 543370) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

Is Enghamshire a scam or clone?

Enghamshire is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with Enghamshire?

Money you hand to Enghamshire is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Who owns Enghamshire?

Enghamshire is owned by Freeshire Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 January 2017.

Who runs Enghamshire?

Companies House lists one director of Enghamshire: Duncan Murray Reid.

How long has Enghamshire been in business?

The company was formed on 14 December 2004.

What do Enghamshire’s latest accounts show?

Its latest accounts, to 29 December 2024, show turnover of £58.0k (−70% from £196k) and profit before tax of £18.0k (from a loss of £2.01m).

Does Enghamshire use any other names?

It has previously used the name Ingenious Resources Limited.