Express Finance Loans Limited

Reference number: 730925

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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 expressfinanceloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 01489 790620 is
  • Who else gives the postcode SO30 2NH
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Other names (9)

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

  • bestloans247.co.uk Trading name
  • Express Finance Trading name
  • expressfinanceloans.co.uk Trading name
  • Express Finance Loans Ltd Former name
  • Express Credit Former trading name
  • expressfinance.biz Former trading name
  • expressfin.com Former trading name
  • expressfin.net Former trading name
  • tenantloans247.co.uk Former trading name

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
04464710
Company status
Active
Company type
Private limited company
Incorporated
19 June 2002 (24 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ioannis Adamopoulos Director Apr 1957 19 Jun 2002 None
Panagiota Adamopoulou Secretary Not published 19 Jun 2002 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2026Micro-entity accountsNot audited

Net assets

−£16.7k

Down £4,534 from −£12.2k

Owed within a year

£17.6k

+93% from £9,114

Net assets are negative: on its last balance sheet the company owed £16.7k more than it owned.

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 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 04464710. 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

Express Finance Loans’s history from the FCA register and Companies House, newest first.

Key events (8) All events (24)

2025

4 July 2025

  • Changed its registered name from "Express Finance Loans Ltd"

FCA register

2016

23 June 2016

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

FCA register

6 April 2016

  • Ioannis Adamopoulos became a part-owner (25–50% of shares)
  • Panagiota Adamopoulou became a part-owner (25–50% of shares)

Companies House

2015

5 January 2015

  • Regulated by the Friendly Societies Commission from this date
  • No longer regulated by the Friendly Societies Commission

FCA register

2002

19 June 2002

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (8 shown here)
  • Every director appointment and resignation: 1
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Firms like Express Finance Loans

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

In Hampshire

Whitewater Finance LimitedHampshireAppointed representative

In the Southampton (SO) postcode area

Closed Bridging Finance LtdWinchesterAuthorisedDNH FleetSouthamptonAuthorisedDr Dwindar Singh NarSouthamptonAuthorisedExcel Power LimitedSouthamptonAuthorisedFocus Finance LimitedRomseyAuthorised

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 Express Finance Loans

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 24 events in its history

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Frequently asked questions about this firm

Is Express Finance Loans Limited FCA authorised?
Yes, Express Finance Loans Limited (FRN 730925) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Express Finance Loans’ phone number and website?
The FCA register lists the phone number 01489 790620 and the website expressfinanceloans.co.uk for Express Finance Loans. If you were given different contact details, use these to check with the firm before going any further.
Is Express Finance Loans a scam or clone?
Express Finance Loans 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 Express Finance Loans?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Express Finance Loans handles your money, so check the specific product before you commit. You can also refer complaints about Express Finance Loans to the Financial Ombudsman Service, free of charge.
Who owns Express Finance Loans?
Companies House lists 2 people with significant control of Express Finance Loans: Mrs Panagiota Adamopoulou (25–50% of shares) and Dr Ioannis Adamopoulos (25–50% of shares).
Who runs Express Finance Loans?
Companies House lists one director of Express Finance Loans: Ioannis Adamopoulos.
How long has Express Finance Loans been in business?
The company was formed on 19 June 2002, and has held its current FCA authorisation since June 2016.
What do Express Finance Loans’ latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of −£16.7k (down £4,534 from −£12.2k).
Does Express Finance Loans use any other names?
It trades as bestloans247.co.uk, Express Finance and expressfinanceloans.co.uk. It has previously used 6 other names, including Express Finance Loans Ltd, Express Credit and expressfinance.biz.

Sources and links

The full report on Express Finance Loans Limited

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