GB Finance Services Limited

Reference number: 660096

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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 carwhinleycars.co.uk first appeared online, and whether it can receive email
  • What kind of line 01228 818194 is
  • Who else gives the postcode CA3 0JN
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Other names (1)

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

  • Carwhinley Cars 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
04816360
Company status
Active
Company type
Private limited company
Incorporated
1 July 2003 (23 years old)
Registered office
Suite 1 Telford House, Warwick Road, Carlisle, Cumbria, CA1 2BT
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Tom Graham Lightfoot Director Mar 1970 1 Jul 2003 None
Tina Gayle Lightfoot Director Nov 1974 29 May 2014 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 October 2024Small company accountsNot audited

Net assets

£153k

<1% from £152k

Cash at bank

£11.4k

−84% from £69.4k

Employees (average)

6

+20% from 5

Owed within a year

£186k

−50% from £372k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 04816360. 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

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

Key events (5) All events (10)

2016

1 July 2016

  • Tina Gayle Lightfoot became a part-owner (25–50% of shares)
  • Tom Graham Lightfoot became the majority owner (50–75% of shares)

Companies House

2015

18 March 2015

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

FCA register

2003

1 July 2003

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like GB Finance Services

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

In Carlisle

Graham (Commercials) LimitedCarlisleAuthorisedBen Hodgson Cars LimitedCarlisleAuthorisedBorder City Autos 20 LimitedCarlisleAuthorisedc&m motors carlisleCarlisleAuthorisedCar & Commercial (Carlisle) LimitedCarlisleAuthorisedCMT Autos & Commercials LimitedCarlisleAuthorised

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 GB Finance Services

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is GB Finance Services Limited FCA authorised?
Yes, GB Finance Services Limited (FRN 660096) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2015 and works as a car dealer. The FCA has placed no limits on its permissions.
What is GB Finance Services’ phone number and website?
The FCA register lists the phone number 01228 818194 and the website carwhinleycars.co.uk for GB Finance Services. If you were given different contact details, use these to check with the firm before going any further.
Is GB Finance Services a scam or clone?
GB Finance Services 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 GB Finance Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how GB Finance Services handles your money, so check the specific product before you commit. You can also refer complaints about GB Finance Services to the Financial Ombudsman Service, free of charge.
Who owns GB Finance Services?
Companies House lists 2 people with significant control of GB Finance Services: Mr Tom Graham Lightfoot (50–75% of shares) and Mrs Tina Gayle Lightfoot (25–50% of shares).
Who runs GB Finance Services?
Companies House lists 2 directors of GB Finance Services: Tom Graham Lightfoot and Tina Gayle Lightfoot.
How long has GB Finance Services been in business?
The company was formed on 1 July 2003, and has held its current FCA authorisation since March 2015.
What do GB Finance Services’ latest accounts show?
Its latest accounts, to 31 October 2024, show net assets of £153k (<1% from £152k) and cash at bank of £11.4k (−84% from £69.4k).
Does GB Finance Services use any other names?
It trades as Carwhinley Cars.

Sources and links

The full report on GB Finance Services Limited

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