Gemcabin Limited

Reference number: 731616

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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 nathanandco.uk first appeared online, and whether it can receive email
  • What kind of line 01253 622202 is
  • Who else gives the postcode FY1 1BP
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Other names (5)

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

  • My Travel Money. Trading name
  • N and Co Jewellers Trading name
  • Nathan & Co Trading name
  • NorthWest Pawnbrokers Trading name
  • Vacation Money UK 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 (2 permissions)
  • 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)

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
01786166
Company status
Active
Company type
Private limited company
Incorporated
26 January 1984 (42 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Lefton Director Nov 1949 15 May 1995 13 other companies
David Anthony Kohler Director Jan 1959 12 Jul 2012 17 other companies
Ava Lynn Lefton (Dr) Secretary Not published 14 May 2014 –

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
30
closed down
19
is FCA-registered
1

In the full report: all 30 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 one on the FCA register
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£5.07m

+8.3% from £4.68m

Cash at bank

£786k

+22% from £642k

Employees (average)

41

+2.5% from 40

Owed within a year

£1.57m

−9.2% from £1.73m

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 01786166. 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

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

Key events (10) All events (22)

2022

15 November 2022

  • Ava Lynn Lefton took control (75–100% of shares)
  • David Anthony Kohler took control (75–100% of shares)
  • Laura Melanie Kohler became a part-owner (25–50% of shares)
  • Oliver James Grills became the majority owner (50–75% of shares)

Companies House

2021

24 January 2021

  • Nathan Kohler stopped being the majority owner

Companies House

2016

15 July 2016

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

FCA register

6 April 2016

  • Nathan Kohler became the majority owner (50–75% of shares)
  • Rosa Vivien Kohler became a part-owner (25–50% of shares)

Companies House

1984

26 January 1984

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (10 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Gemcabin

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Gemcabin

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

In Blackpool

Small Loans LimitedBlackpoolAuthorisedJay Mac Tools (Chorley/Preston) LtdBlackpoolAuthorisedPhillips S J LimitedBlackpoolAuthorised

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 Gemcabin

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

  • 30 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history

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Frequently asked questions about this firm

Is Gemcabin Limited FCA authorised?
Yes, Gemcabin Limited (FRN 731616) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Gemcabin’s phone number and website?
The FCA register lists the phone number 01253 622202 and the website nathanandco.uk for Gemcabin. If you were given different contact details, use these to check with the firm before going any further.
Is Gemcabin a scam or clone?
Gemcabin 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 Gemcabin?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Gemcabin handles your money, so check the specific product before you commit. You can also refer complaints about Gemcabin to the Financial Ombudsman Service, free of charge.
Who owns Gemcabin?
Companies House lists 5 people with significant control of Gemcabin: Mr David Anthony Kohler (75–100% of shares), Mrs Ava Lynn Lefton (75–100% of shares), Mr Oliver James Grills (50–75% of shares), Miss Laura Melanie Kohler (25–50% of shares) and 1 more. Before that, it was controlled by Mr Nathan Kohler.
Who runs Gemcabin?
Companies House lists 2 directors of Gemcabin: Stephen Lefton and David Anthony Kohler.
How long has Gemcabin been in business?
The company was formed on 26 January 1984, and has held its current FCA authorisation since July 2016.
What do Gemcabin’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £5.07m (+8.3% from £4.68m) and cash at bank of £786k (+22% from £642k).
Does Gemcabin use any other names?
It trades as My Travel Money., N and Co Jewellers, Nathan & Co and NorthWest Pawnbrokers. It has previously used the name Vacation Money UK.

Sources and links

The full report on Gemcabin Limited

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