Finance Advice Centre Ltd

Reference number: 649957

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Finance Advice Group Ltd Reference number: 624517 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Finance Advice Centre Ltd (FRN 649957) is an AR of Finance Advice Group Ltd (FRN 624517). When you use Finance Advice Centre's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Finance Advice Centre, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 financeadvicecentre.co.uk first appeared online, and whether it can receive email
  • What kind of line 01332 821340 is, and the other firm that gives it
  • Who else gives the postcode DE1 3QB
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Other names (6)

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

  • Cashback Cover Trading name
  • Finance Advice Centre Leicester Former trading name
  • LCS Mortgages Former trading name
  • Option Finance Former trading name
  • Sala Finance Former trading name
  • The Finance Gurus Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Finance Advice Group Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
08948140
Company status
Active
Company type
Private limited company
Incorporated
19 March 2014 (12 years old)
Registered office
17 Prime Park Way, Derby, DE1 3QB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Edward Cassar Director Oct 1972 19 Mar 2014 9 other companies

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
9
closed down
5
are FCA-registered
2

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£286k

−15% from £335k

Cash at bank

£281k

−23% from £367k

Employees (average)

13

+8.3% from 12

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 08948140. 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

Finance Advice Centre’s history from the FCA register and Companies House, newest first.

Key events (3) All events (19)

2016

6 April 2016

  • Matthew Edward Cassar took control (75–100% of shares)

Companies House

2014

15 October 2014

  • Became an appointed representative

FCA register

19 March 2014

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (3 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Finance Advice Centre

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

connected firms
3
share a director
1
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Finance Advice Centre

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

In Derby

Expert Money Advice LtdDerbyAppointed representativeJ S Dhadli & K S GillDerbyAppointed representativeMy Finance Friend LimitedDerbyAppointed representativeNair and Nair PartnershipDerbyAppointed representativeRiten Patel & Graham WilkinsonDerbyAppointed representativeCorfu LtdDerbyAppointed representative

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 Finance Advice Centre

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 19 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Finance Advice Centre Ltd FCA authorised?
Finance Advice Centre Ltd (FRN 649957) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Finance Advice Centre?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Finance Advice Centre Ltd (FRN 649957) is an AR of Finance Advice Group Ltd (FRN 624517). When you use Finance Advice Centre's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Finance Advice Centre, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Finance Advice Centre’s phone number and website?
The FCA register lists the phone number 01332 821340 and the website financeadvicecentre.co.uk for Finance Advice Centre. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Finance Advice Centre a scam or clone?
Finance Advice Centre 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 Finance Advice Centre?
Protection works through Finance Advice Group Ltd, the principal firm responsible for Finance Advice Centre's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Finance Advice Centre?
Companies House lists one person with significant control of Finance Advice Centre: Mr Matthew Edward Cassar (75–100% of shares).
Who runs Finance Advice Centre?
Companies House lists one director of Finance Advice Centre: Matthew Edward Cassar.
How long has Finance Advice Centre been in business?
The company was formed on 19 March 2014.
What do Finance Advice Centre’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £286k (−15% from £335k) and cash at bank of £281k (−23% from £367k).
Does Finance Advice Centre use any other names?
It trades as Cashback Cover. It has previously used 5 other names, including Finance Advice Centre Leicester, LCS Mortgages and Option Finance.

Sources and links

The full report on Finance Advice Centre Ltd

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