Excel -A- Rate Business Services Limited

Reference number: 713832

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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 excel-a-rate.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 724 2424 is
  • Who else gives the postcode M26 4HN
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FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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 (7 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
03282233
Company status
Active
Company type
Private limited company
Incorporated
21 November 1996 (29 years old)
Registered office
Prospect House 389-391 Ainsworth, Road Radcliffe, Manchester, M26 4HN
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
David Adrian Ballan Director May 1957 22 Nov 1996 12 other companies
Denise Pinder Director Nov 1960 21 May 2001 5 other companies
Zachary James Ballan Director Jul 1990 13 Jul 2018 None
David Adrian Ballan Secretary Not published 31 Dec 2009 –

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
13
closed down
5
run together
4

In the full report: all 13 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 4 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 30 September 2025Small company accountsNot audited

Net assets

£3.55m

+3.5% from £3.43m

Cash at bank

£432k

+148% from £174k

Employees (average)

12

+9.1% from 11

Owed within a year

£4.14m

+14% from £3.65m

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 03282233. 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

Excel -A- Rate Business Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (17)

2018

12 November 2018

  • David Adrian Ballan gave up control

Companies House

2016

6 September 2016

  • David Adrian Ballan took control (75–100% of shares)
  • David Adrian Ballan took control (75–100% of votes)

Companies House

15 April 2016

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

FCA register

1996

21 November 1996

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (6 shown here)
  • Every director appointment and resignation: 9
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Firms like Excel -A- Rate Business Services

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

In Manchester

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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 Excel -A- Rate Business Services

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
  • 7 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Excel -A- Rate Business Services Limited FCA authorised?
Yes, Excel -A- Rate Business Services Limited (FRN 713832) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Excel -A- Rate Business Services’ phone number and website?
The FCA register lists the phone number 0161 724 2424 and the website excel-a-rate.co.uk for Excel -A- Rate Business Services. If you were given different contact details, use these to check with the firm before going any further.
Is Excel -A- Rate Business Services a scam or clone?
Excel -A- Rate Business Services 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 Excel -A- Rate Business Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Excel -A- Rate Business Services handles your money, so check the specific product before you commit. You can also refer complaints about Excel -A- Rate Business Services to the Financial Ombudsman Service, free of charge.
Who owns Excel -A- Rate Business Services?
Companies House lists one person with significant control of Excel -A- Rate Business Services: Mr David Adrian Ballan (75–100% of shares).
Who runs Excel -A- Rate Business Services?
Companies House lists 3 directors of Excel -A- Rate Business Services: David Adrian Ballan, Denise Pinder and Zachary James Ballan.
How long has Excel -A- Rate Business Services been in business?
The company was formed on 21 November 1996, and has held its current FCA authorisation since April 2016.
What do Excel -A- Rate Business Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £3.55m (+3.5% from £3.43m) and cash at bank of £432k (+148% from £174k).

Sources and links

The full report on Excel -A- Rate Business Services Limited

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