Golf Finance Limited

Reference number: 940964

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Rural Finance Limited Reference number: 630701 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Golf Finance Limited (FRN 940964) is an AR of Rural Finance Limited (FRN 630701). When you use Golf Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Golf Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

In the full report: 3 background checks

  • When golffinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01620 890200 is
  • Who else gives the postcode EH39 4AD
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Other names (1)

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

  • Ian Henderson Finance Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rural Finance 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
SC207978
Company status
Active
Company type
Private limited company
Incorporated
8 June 2000 (26 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial leasing (SIC 64910)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Linda Jane Henderson Director Jun 1960 2 Jul 2021 None
Neil Ian Henderson Director Oct 1989 2 Jul 2021 3 other companies
Malcolm Thomas Pennycott Director Sep 1989 26 Jan 2024 1 other company
Linda Jane Henderson Secretary Not published 7 Jun 2003 –

Other companies run by these 3 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
1
run together
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

−£3,904

−106% from £61.6k

Owed within a year

£165k

+26% from £130k

Net assets are negative: on its last balance sheet the company owed £3,904 more than it owned.

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 SC207978. 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

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

Key events (7) All events (15)

2024

5 August 2024

  • Ian Robert Henderson stopped being the majority owner
  • Linda Jane Henderson stopped being a part-owner
  • Neil Ian Henderson took control (75–100% of shares)

Companies House

2020

14 December 2020

  • Became an appointed representative

FCA register

2019

25 November 2019

  • Linda Jane Henderson became a part-owner (25–50% of shares)

Companies House

2016

8 June 2016

  • Ian Robert Henderson became the majority owner (50–75% of shares)

Companies House

2000

8 June 2000

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 5
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Firms like Golf Finance

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

In the Edinburgh (EH) postcode area

BTM Finance LimitedEdinburghAppointed representativeCHSG LtdLivingstonAppointed representativeCorstorphine Gas Services LimitedEdinburghAppointed representativeEvangate Financial Services LtdSouth QueensferryAppointed representativeFinance4Rentals LtdLivingstonAppointed representativeFlite Commercial Finance LimitedTranentAppointed 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 Golf Finance

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
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Golf Finance Limited FCA authorised?
Golf Finance Limited (FRN 940964) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Golf Finance?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Golf Finance Limited (FRN 940964) is an AR of Rural Finance Limited (FRN 630701). When you use Golf Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Golf Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 Golf Finance’s phone number and website?
The FCA register lists the phone number 01620 890200 and the website golffinance.co.uk for Golf Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Golf Finance a scam or clone?
Golf 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 Golf Finance?
Protection works through Rural Finance Limited, the principal firm responsible for Golf Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Golf Finance?
Companies House lists one person with significant control of Golf Finance: Mr Neil Ian Henderson (75–100% of shares). Before that, it was controlled by Mrs Linda Jane Henderson and Mr Ian Robert Henderson.
Who runs Golf Finance?
Companies House lists 3 directors of Golf Finance: Linda Jane Henderson, Neil Ian Henderson and Malcolm Thomas Pennycott.
How long has Golf Finance been in business?
The company was formed on 8 June 2000.
What do Golf Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of −£3,904 (−106% from £61.6k).
Does Golf Finance use any other names?
It has previously used the name Ian Henderson Finance.

Sources and links

The full report on Golf Finance Limited

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