Four Oaks Finance Limited

Reference number: 1022981

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Cape (INS) Services Limited Reference number: 940107 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • FOUR OAKS FINANCE LIMITED (FRN 1022981) introduces customers to Cape (INS) Services Limited (FRN 940107). Any regulated advice or arranging is done by the principal, not FOUR OAKS FINANCE.
  • Example: if FOUR OAKS FINANCE refers you to a financial adviser, the advice should come from the principal firm, not from FOUR OAKS FINANCE itself.
  • 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.

  • No website on the FCA register

  • Phone number

    07584 439135

  • Address

    Four Oaks Finance Limited, Regent House, 50 Frederick Street, Birmingham, Birmingham, B1 3HR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07584 439135 is
  • Who else gives the postcode B1 3HR
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cape (INS) Services Limited, 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
15950344
Company status
Active
Company type
Private limited company
Incorporated
11 September 2024 (2 years old)
Registered office
55 Shelley Drive, Sutton Coldfield, B74 4YD, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Olivia Gallagher Director Oct 2000 11 Sep 2024 None
Lesley Karen Reaney Director Jan 1969 11 Sep 2024 2 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
2
closed down
1
still active
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
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£1,621

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£66.1k

No earlier figure to compare

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 15950344. 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

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

2024

18 December 2024

  • Became an introducer appointed representative

FCA register

11 September 2024

  • Incorporated at Companies House
  • Lesley Karen Reaney became a part-owner (25–50% of shares)
  • Olivia Gallagher became a part-owner (25–50% of shares)
  • Lesley Karen Reaney appointed as a director
  • Olivia Gallagher appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Four Oaks Finance

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

In Birmingham

Perk UK LtdBirminghamAppointed representativeWest Midlands Police FederationBirminghamAppointed representativeAlex WongBirminghamAppointed representativeAlliance Health PMI LimitedBirminghamAppointed representativeAscent Risk Solutions LimitedBirminghamAppointed representativeAyub ManzoorBirminghamAppointed 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 Four Oaks 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
  • All 6 events in its history

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Frequently asked questions about this firm

Is Four Oaks Finance Limited FCA authorised?
Four Oaks Finance Limited (FRN 1022981) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Four Oaks Finance?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Four Oaks Finance Limited (FRN 1022981) introduces customers to Cape (INS) Services Limited (FRN 940107). Any regulated advice or arranging is done by the principal, not Four Oaks Finance. Example: if Four Oaks Finance refers you to a financial adviser, the advice should come from the principal firm, not from Four Oaks Finance itself. 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 Four Oaks Finance’s phone number?
The FCA register lists the phone number 07584 439135 for Four Oaks Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Four Oaks Finance a scam or clone?
Four Oaks 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 Four Oaks Finance?
Protection works through Cape (INS) Services Limited, the principal firm responsible for Four Oaks Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Four Oaks Finance?
Companies House lists 2 people with significant control of Four Oaks Finance: Miss Olivia Gallagher (25–50% of shares) and Ms Lesley Karen Reaney (25–50% of shares).
Who runs Four Oaks Finance?
Companies House lists 2 directors of Four Oaks Finance: Olivia Gallagher and Lesley Karen Reaney.
How long has Four Oaks Finance been in business?
The company was formed on 11 September 2024.
What do Four Oaks Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1,621 (no earlier figure to compare).

Sources and links

The full report on Four Oaks Finance Limited

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