GDL-1 Limited

Reference number: 1029975

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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, 1 thing worth a closer look

  • When nestbusinessloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3370 7071 is
  • Who else gives the postcode CM4 9DW
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Other names (5)

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

  • GotFunding Trading name
  • LendingTeam Trading name
  • Nest Trading name
  • Nest Business Loans Trading name
  • Nest Funding 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
08396449
Company status
Active
Company type
Private limited company
Incorporated
11 February 2013 (13 years old)
Registered office
46-54 High Street, Ingatestone, Essex, CM4 9DW, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy Johannes James Fox Director Jan 1986 11 Feb 2013 3 other companies
Michael Anthony Aquilina Director Jul 1991 10 Dec 2024 1 other company

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
3
closed down
3
run together
1

In the full report: all 3 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Total equity

£8,942

Up £8,842 from £100

Cash at bank

£130k

Up £130k from £372

Owed within a year

£130k

+250% from £37.2k

Total equity

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 08396449. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Gdl-1’s history from the FCA register and Companies House, newest first.

Key events (7) All events (17)

2025

11 August 2025

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

FCA register

2024

29 November 2024

  • M A Aq Ltd became a part-owner (25–50% of shares)
  • Tfm-1 Ltd became a part-owner (25–50% of shares)
  • Timothy Johannes James Fox gave up control

Companies House

2016

6 April 2016

  • Timothy Johannes James Fox took control (75–100% of shares)

Companies House

2013

11 February 2013

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Gdl-1

Other FCA-listed firms that share a director, phone number or address with Gdl-1. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Gdl-1

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

In Ingatestone

Stephen Francis DeanIngatestoneAuthorised

In the Chelmsford (CM) postcode area

Antony FellsStanstedAuthorisedBig Business Events LtdChelmsfordSee the registerBrentwood School CioBrentwoodAuthorisedByford Commercial Finance Ltd.ChelmsfordAuthorisedC.f. Capital PLCBishop's StortfordAuthorised

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 Gdl-1

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 17 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is GDL-1 Limited FCA authorised?
Yes, GDL-1 Limited (FRN 1029975) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2025 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Gdl-1’s phone number and website?
The FCA register lists the phone number 020 3370 7071 and the website nestbusinessloans.co.uk for Gdl-1. If you were given different contact details, use these to check with the firm before going any further.
Is Gdl-1 a scam or clone?
Gdl-1 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 Gdl-1?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Gdl-1 handles your money, so check the specific product before you commit. You can also refer complaints about Gdl-1 to the Financial Ombudsman Service, free of charge.
Who owns Gdl-1?
Companies House lists 2 people with significant control of Gdl-1: M A Aq Ltd (25–50% of shares) and Tfm-1 Ltd (25–50% of shares). Before that, it was controlled by Dr Timothy Johannes James Fox.
Who runs Gdl-1?
Companies House lists 2 directors of Gdl-1: Timothy Johannes James Fox and Michael Anthony Aquilina.
How long has Gdl-1 been in business?
The company was formed on 11 February 2013, and has held its current FCA authorisation since August 2025.
What do Gdl-1’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £8,942 (up £8,842 from £100) and cash at bank of £130k (up £130k from £372).
Does Gdl-1 use any other names?
It trades as GotFunding, LendingTeam, Nest, Nest Business Loans and Nest Funding.

Sources and links

The full report on GDL-1 Limited

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