Finset Limited

Reference number: 987805

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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 finset.co.uk first appeared online, and whether it can receive email
  • What kind of line 01245 967999 is
  • Who else gives the postcode CM2 6JY
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Other names (2)

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

  • financeanyasset.co.uk Trading name
  • Finset Finance 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
12595905
Company status
Active
Company type
Private limited company
Incorporated
11 May 2020 (6 years old)
Registered office
Swift House, Ground Floor, Hoffmanns Way, Chelmsford, Essex, CM1 1GU, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham Westwood Director Jun 1988 21 Jul 2020 2 other companies
Benjamin Luke Harmer Director Aug 1987 18 Sep 2020 None

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
2
still active
2
is FCA-registered
1

In the full report: all 2 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
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£159k

+516% from £25.9k

Cash at bank

£214k

+273% from £57.3k

Employees (average)

13

−13% from 15

Owed within a year

£235k

−32% from £347k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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.

Accounts filed at Companies House for company 12595905. 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

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

Key events (6) All events (27)

2023

11 July 2023

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

FCA register

2020

28 July 2020

  • Charles Nicholas Weeks became a part-owner (25–50% of shares)
  • Graham Westwood became a part-owner (25–50% of shares)

Companies House

11 May 2020

  • Incorporated at Companies House
  • Ian Dowie became a part-owner (25–50% of shares)

Companies House

In the full report: all 27 events

  • All 27 events in its history (6 shown here)
  • Every director appointment and resignation: 16
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Firms connected to Finset

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

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Finset

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

In Chelmsford

Big Business Events LtdChelmsfordSee the registerByford Commercial Finance Ltd.ChelmsfordAuthorisedDaniel SmithChelmsfordAuthorisedElite Business Funding LimitedChelmsfordAuthorisedKiemera Corporate Finance LimitedChelmsfordAuthorisedR C Boreham and CompanyChelmsfordAuthorised

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 Finset

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 27 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Finset Limited FCA authorised?
Yes, Finset Limited (FRN 987805) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2023 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Finset’s phone number and website?
The FCA register lists the phone number 01245 967999 and the website finset.co.uk for Finset. If you were given different contact details, use these to check with the firm before going any further.
Is Finset a scam or clone?
Finset 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 Finset?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Finset handles your money, so check the specific product before you commit. You can also refer complaints about Finset to the Financial Ombudsman Service, free of charge.
Who owns Finset?
Companies House lists 3 people with significant control of Finset: Mr Charles Nicholas Weeks (25–50% of shares), Mr Graham Westwood (25–50% of shares) and Mr Ian Dowie (25–50% of shares).
Who runs Finset?
Companies House lists 2 directors of Finset: Graham Westwood and Benjamin Luke Harmer.
How long has Finset been in business?
The company was formed on 11 May 2020, and has held its current FCA authorisation since July 2023.
What do Finset’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £159k (+516% from £25.9k) and cash at bank of £214k (+273% from £57.3k).
Does Finset use any other names?
It trades as financeanyasset.co.uk and Finset Finance.

Sources and links

The full report on Finset Limited

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