First Class Finance Limited

Reference number: 729031

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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 firstclassfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 091 3800 is
  • Who else gives the postcode PR9 9PB
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Other names (1)

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

  • www.firstclassfinance.co.uk 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
  • Entering into a regulated home credit loan agreement as lender
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
09811414
Company status
Active
Company type
Private limited company
Incorporated
6 October 2015 (11 years old)
Registered office
37 Hesketh Road, Southport, PR9 9PB, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Jane Thompson Director Mar 1975 6 Oct 2015 None
Michael John Thompson Director Feb 1964 6 Oct 2015 1 other company
Michael John Thompson Secretary Not published 6 Oct 2015 –

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 company
1
still active
1

In the full report: all 1 company, 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£474k

+11% from £426k

Employees (average)

13

+30% from 10

Owed within a year

£286k

−1.5% from £290k

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 09811414. 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

First Class Finance’s history from the FCA register and Companies House, newest first.

Key events (8) All events (16)

2026

14 October 2026

  • Jane Louise Thompson became a part-owner (25–50% of shares)
  • Jane Louise Thompson stopped being a part-owner

Companies House

2016

21 July 2016

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

FCA register

6 April 2016

  • Jane Louise Thompson became a part-owner (25–50% of shares)
  • Michael John Thompson became a part-owner (25–50% of shares)
  • Stephen Thomas Hampson became a part-owner (25–50% of shares)

Companies House

2015

6 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms like First Class Finance

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

In Southport

Glendarock LimitedSouthportAuthorisedPaymentshield LimitedSouthportAuthorisedGMG Finance LimitedSouthportAuthorisedHarrison Leisure UK LimitedSouthportAuthorisedJames Smith & Son (Music Sellers) LimitedSouthportAuthorisedLace G LimitedSouthportAuthorised

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 First Class Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is First Class Finance Limited FCA authorised?
Yes, First Class Finance Limited (FRN 729031) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is First Class Finance’s phone number and website?
The FCA register lists the phone number 0333 091 3800 and the website firstclassfinance.co.uk for First Class Finance. If you were given different contact details, use these to check with the firm before going any further.
Is First Class Finance a scam or clone?
First Class Finance 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 First Class Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how First Class Finance handles your money, so check the specific product before you commit. You can also refer complaints about First Class Finance to the Financial Ombudsman Service, free of charge.
Who owns First Class Finance?
Companies House lists 3 people with significant control of First Class Finance: Mrs Jane Louise Thompson (25–50% of shares), Mr Michael John Thompson (25–50% of shares) and Mr Stephen Thomas Hampson (25–50% of shares).
Who runs First Class Finance?
Companies House lists 2 directors of First Class Finance: Jane Thompson and Michael John Thompson.
How long has First Class Finance been in business?
The company was formed on 6 October 2015, and has held its current FCA authorisation since July 2016.
What do First Class Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £474k (+11% from £426k).
Does First Class Finance use any other names?
It trades as www.firstclassfinance.co.uk.

Sources and links

The full report on First Class Finance Limited

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