H H Business Finance Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 5 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2020
Accounts filed up to 31 July 2025

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.

Website

hhbf.uk (opens in a new tab)
Phone number

01633 374950
Address

H H Business Finance Ltd, Innovation House, 1 Wales 1 Business Park, Newport Road, Caldicot, Monmouthshire, NP26 3DG, United Kingdom

In the full report: 3 background checks

When hhbf.uk first appeared online, and whether it can receive email
What kind of line 01633 374950 is
Who else gives the postcode NP26 3DG

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: 12486028 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 26 February 2020 (6 years old)
Registered office: Innovation House, Wales 1 Business Park, Monmouthshire, NP26 3DG, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Howard Francis Ross	Director	Jul 1963	26 Feb 2020	14 other companies
Sarah Freeman	Director	Apr 1985	18 Jul 2021	None
Gyles Edward Thompson	Director	May 1988	18 Jul 2021	None
Gareth Williams	Director	Feb 1987	18 Jul 2021	1 other company
Mark Bryan Crook	Director	Aug 1972	20 Oct 2021	1 other company

Other companies run by these 5 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: 15
closed down: 7
are FCA-registered: 2

In the full report: all 15 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 on the FCA register
The 1 company these 5 directors run together

Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£465k

+3.5% from £449k

Cash at bank

£326k

−15% from £386k

Employees (average)

25

+14% from 22

Owed within a year

£571k

+28% from £446k

Assets and liabilities

In the full report: all 5 years of accounts

Every year from 2021 to 2025
The chart, over every year
Every filed figure, year by year

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 12486028. 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

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

Key events (5) All events (13)

2021

20 October 2021

Mark Bryan Crook became a part-owner (25–50% of shares)

Companies House

18 February 2021

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

FCA register

2020

26 February 2020

Incorporated at Companies House
Howard Francis Ross became a part-owner (25–50% of shares)

Companies House

In the full report: all 13 events

All 13 events in its history (5 shown here)
Every director appointment and resignation: 5

Firms connected to H H Business Finance

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

past links: 2

In the full report: all 0 connected firms, named

2 past links through former directors

Firms like H H Business Finance

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

In Caldicot

Kingsleigh JonesCaldicotAppointed representative Chepstow Construction Equipment LimitedCaldicotAuthorised

In the Newport (NP) postcode area

Christopher EavesAbergavennyAuthorised Clearfc LtdNewportAuthorised Flexible Commercial Funding LimitedNewportAuthorised FS Business Finance LtdRaglanAuthorised

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 H H Business Finance

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

15 other companies its directors have run, named
3 background checks on its contact details
5 years of accounts, charted
All 13 events in its history

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Frequently asked questions about this firm

Is H H Business Finance Ltd FCA authorised?

Yes, H H Business Finance Ltd (FRN 932105) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2021 and works as a credit broker. The FCA has placed no limits on its permissions.

What is H H Business Finance’s phone number and website?

The FCA register lists the phone number 01633 374950 and the website hhbf.uk for H H Business Finance. If you were given different contact details, use these to check with the firm before going any further.

Is H H Business Finance a scam or clone?

H H Business 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 H H Business Finance?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how H H Business Finance handles your money, so check the specific product before you commit. You can also refer complaints about H H Business Finance to the Financial Ombudsman Service, free of charge.

Who owns H H Business Finance?

Companies House lists 2 people with significant control of H H Business Finance: Mr Mark Bryan Crook (25–50% of shares) and Mr Howard Francis Ross (25–50% of shares).

Who runs H H Business Finance?

Companies House lists 5 directors of H H Business Finance: Howard Francis Ross, Sarah Freeman, Gyles Edward Thompson, Gareth Williams and Mark Bryan Crook.

How long has H H Business Finance been in business?

The company was formed on 26 February 2020, and has held its current FCA authorisation since February 2021.

What do H H Business Finance’s latest accounts show?

Its latest accounts, to 31 July 2025, show net assets of £465k (+3.5% from £449k) and cash at bank of £326k (−15% from £386k).