Finance-U-Limited

Reference number: 680906

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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 financeu.co.uk first appeared online, and whether it can receive email
  • What kind of line 01443 235820 is, and the other firm that gives it
  • Who else gives the postcode CF64 5BW
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Other names (1)

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

  • finance-u 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)
  • Exercising or having the right to exercise the lender's rights and duties under a bill of sale loan agreement

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
02167930
Company status
Active
Company type
Private limited company
Incorporated
22 September 1987 (39 years old)
Registered office
18 The Paddocks, Penarth, S.Glamorgan, CF64 5BW, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Alexander Humphries Director Apr 1972 8 Aug 2019 13 other companies
Graham Alexander Humphries Director Oct 1944 Not published 10 other companies
Graham Alexander Humphries Secretary Not published Not published 10 other companies

Other companies run by these 2 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
17
closed down
9
is FCA-registered
1

In the full report: all 17 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 6 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2026Full accountsNot audited

Net assets

£165k

Up £257k from −£91.3k

Cash at bank

£3,397

−75% from £13.5k

Employees (average)

0

Same as 0

Owed within a year

£586k

−12% from £662k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company 02167930. 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-U-Limited’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2016

14 April 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

6 April 2016

  • Graham Alexander Humphries took control (75–100% of shares)

Companies House

1987

22 September 1987

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Finance-U-Limited

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Get the full report on Finance-U-Limited

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

  • 17 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Finance-U-Limited FCA authorised?
Yes, Finance-U-Limited (FRN 680906) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016. The FCA has placed a limit on what it may do.
What is Finance-U-Limited’s phone number and website?
The FCA register lists the phone number 01443 235820 and the website financeu.co.uk for Finance-U-Limited. 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-U-Limited a scam or clone?
Finance-U-Limited 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-U-Limited?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Finance-U-Limited handles your money, so check the specific product before you commit. You can also refer complaints about Finance-U-Limited to the Financial Ombudsman Service, free of charge.
Who owns Finance-U-Limited?
Companies House lists one person with significant control of Finance-U-Limited: Mr Graham Alexander Humphries (75–100% of shares).
Who runs Finance-U-Limited?
Companies House lists 2 directors of Finance-U-Limited: Paul Alexander Humphries and Graham Alexander Humphries.
How long has Finance-U-Limited been in business?
The company was formed on 22 September 1987, and has held its current FCA authorisation since April 2016.
What do Finance-U-Limited’s latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of £165k (up £257k from −£91.3k) and cash at bank of £3,397 (−75% from £13.5k).
Does Finance-U-Limited use any other names?
It trades as finance-u.

Sources and links

The full report on Finance-U-Limited

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