Flexible Finance Limited

Reference number: 741744

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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.

  • No website on the FCA register

  • Phone number

    028 2565 4762

  • Address

    9-11 Mill Street, Ballymena, County Antrim, BT43 5AA, United Kingdom

In the full report: 2 background checks

  • What kind of line 028 2565 4762 is
  • Who else gives the postcode BT43 5AA
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Other names (2)

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

  • The Money Merchant Trading name
  • Cashbrokers 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 (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit 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 name
FLEXIBLE FINANCE LTD
Company number
NI068962
Company status
Active
Company type
Private limited company
Incorporated
17 April 2008 (18 years old)
Registered office
11 Mill Street, Ballymena, County Antrim, BT43 5AA
Nature of business
  • Retail sale of other second-hand goods in stores (not incl. antiques) (SIC 47799)

Directors and company secretaries

Name Role Born Appointed Other companies
William Irvine Ferguson Director Mar 1967 17 Apr 2008 2 other companies
Amanda Joanne Ferguson Secretary Not published 17 Apr 2008 –

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
2
closed down
2

In the full report: all 2 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
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£34.0k

−34% from £51.1k

Employees (average)

3

Same as 3

Owed within a year

£39.5k

<1% from £39.5k

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 NI068962. 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

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

Key events (5) All events (11)

2017

16 April 2017

  • William Irvine Ferguson took control (75–100% of shares)

Companies House

2016

13 September 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

2008

17 April 2008

  • 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: 1
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Firms like Flexible Finance

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

In Ballymena

Francis SurgeonerBallymenaAuthorisedQuality Supply Centres LimitedBallymenaAuthorised

In the Belfast (BT) postcode area

Humm Group LimitedBelfastAuthorisedAbbey Insurance Brokers LimitedCarrickfergusAuthorisedAllianz PLCBelfastAuthorisedAsgard Financial Services LimitedBelfastAuthorised

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 Flexible Finance

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Flexible Finance Limited FCA authorised?
Yes, Flexible Finance Limited (FRN 741744) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Flexible Finance’s phone number?
The FCA register lists the phone number 028 2565 4762 for Flexible Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Flexible Finance a scam or clone?
Flexible 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 Flexible Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Flexible Finance handles your money, so check the specific product before you commit. You can also refer complaints about Flexible Finance to the Financial Ombudsman Service, free of charge.
Who owns Flexible Finance?
Companies House lists one person with significant control of Flexible Finance: Mr William Irvine Ferguson (75–100% of shares).
Who runs Flexible Finance?
Companies House lists one director of Flexible Finance: William Irvine Ferguson.
How long has Flexible Finance been in business?
The company was formed on 17 April 2008, and has held its current FCA authorisation since September 2016.
What do Flexible Finance’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £34.0k (−34% from £51.1k).
Does Flexible Finance use any other names?
It trades as The Money Merchant. It has previously used the name Cashbrokers.

Sources and links

The full report on Flexible Finance Limited

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