Guardian Finance Limited

Reference number: 670384

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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 guardian-finance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0116 276 6631 is
  • Who else gives the postcode LE4 9HZ
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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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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
00373207
Company status
Active
Company type
Private limited company
Incorporated
4 April 1942 (84 years old)
Registered office
207 Barkby Road, Leicester, LE4 9HZ
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Malcolm Bent Director Jul 1975 1 Apr 2005 2 other companies
Katherine Freer Director Dec 1979 9 Sep 2014 2 other companies
Malcolm Charles Bent Director Jun 1940 Not published 2 other companies
Andrew Bent Secretary Not published 16 Oct 2014 –

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
2
still active
2
run together
2

In the full report: all 2 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 2 companies these 3 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1.40m

−1.6% from £1.42m

Cash at bank

£63

Down £16 from £79

Employees (average)

5

Same as 5

Owed within a year

£2.04m

+3.9% from £1.97m

Assets and liabilities

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 00373207. 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

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

Key events (4) All events (10)

2016

6 April 2016

  • Guardian Holdings (Leicester) Limited took control (75–100% of shares)

Companies House

2015

7 October 2015

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

FCA register

1942

4 April 1942

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

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

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Guardian Finance

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

In Leicester

Cranbrook (Jewellers) LtdLeicesterAuthorisedCredit Change LtdLeicesterAuthorisedH.f. Welch and Son LimitedLeicesterAuthorisedMutual Clothing & Supply Company LimitedLeicesterAuthorisedPSA Financial Services LimitedLeicesterAuthorisedSir Thomas White Loan CharityLeicesterAuthorised

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 Guardian Finance

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Guardian Finance Limited FCA authorised?
Yes, Guardian Finance Limited (FRN 670384) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Guardian Finance’s phone number and website?
The FCA register lists the phone number 0116 276 6631 and the website guardian-finance.co.uk for Guardian Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Guardian Finance a scam or clone?
Guardian 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 Guardian Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Guardian Finance handles your money, so check the specific product before you commit. You can also refer complaints about Guardian Finance to the Financial Ombudsman Service, free of charge.
Who owns Guardian Finance?
Guardian Finance is owned by Guardian Holdings (Leicester) Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.
Who runs Guardian Finance?
Companies House lists 3 directors of Guardian Finance: Andrew Malcolm Bent, Katherine Freer and Malcolm Charles Bent.
How long has Guardian Finance been in business?
The company was formed on 4 April 1942, and has held its current FCA authorisation since October 2015.
What do Guardian Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £1.40m (−1.6% from £1.42m) and cash at bank of £63 (down £16 from £79).

Sources and links

The full report on Guardian Finance Limited

£19.99 · Instant PDF download

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