Gem Cars Limited

Reference number: 782468

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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 gemcarsltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 07703 382232 is
  • Who else gives the postcode LN1 2JW
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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
09001987
Company status
Active
Company type
Private limited company
Incorporated
17 April 2014 (12 years old)
Registered office
The Bungalow Newark Road, Laughterton, Lincoln, LN1 2JU
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Gina Louise Irene Applewhite Director Aug 1989 17 Apr 2014 1 other company

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 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 its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Total equity

£226k

+63% from £139k

Employees (average)

3

+50% from 2

Owed within a year

£43.6k

−24% from £57.5k

The accounts for the year to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £746k, for the year to 31 March 2020.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company 09001987. 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

Gem Cars’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2017

28 July 2017

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

FCA register

2016

17 April 2016

  • Gina Louise Irene Applewhite gained significant control

Companies House

2014

17 April 2014

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like Gem Cars

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

In Lincoln

B.Eyre & Son LimitedLincolnAuthorisedBam Automotive Solutions LtdLincolnAuthorisedBoundary Sports and Prestige Cars LimitedLincolnAuthorisedBrocklesby Motorcycles LimitedLincolnAuthorisedCherry Willingham Garage LtdLincolnAuthorisedDack Commercial LTDLincolnAuthorised

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 Gem Cars

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
  • 6 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Gem Cars Limited FCA authorised?
Yes, Gem Cars Limited (FRN 782468) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2017 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Gem Cars’ phone number and website?
The FCA register lists the phone number 07703 382232 and the website gemcarsltd.co.uk for Gem Cars. If you were given different contact details, use these to check with the firm before going any further.
Is Gem Cars a scam or clone?
Gem Cars 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 Gem Cars?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Gem Cars handles your money, so check the specific product before you commit. You can also refer complaints about Gem Cars to the Financial Ombudsman Service, free of charge.
Who owns Gem Cars?
Companies House lists one person with significant control of Gem Cars: Mrs Gina Louise Irene Applewhite (significant influence or control).
Who runs Gem Cars?
Companies House lists one director of Gem Cars: Gina Louise Irene Applewhite.
How long has Gem Cars been in business?
The company was formed on 17 April 2014, and has held its current FCA authorisation since July 2017.
What do Gem Cars’ latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £226k (+63% from £139k).

Sources and links

The full report on Gem Cars Limited

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