Handf Finance Limited: FCA regulated?

On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

Registered for 9 years
No FCA actions
Active company since 1980
Accounts filed up to 28 February 2026

What does this mean?

Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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.

No website on the FCA register
Phone number

020 7407 5589
Address

3 Decima Street, London, SE1 4QR, United Kingdom

In the full report: 2 background checks

What kind of line 020 7407 5589 is
Who else gives the postcode SE1 4QR

Past FCA permissions and consumer protection

Money-laundering registration only
This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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: 01489012 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 April 1980 (46 years old)
Registered office: 23 Melford Drive, Maidstone, ME16 0UN, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Benjamin Court	Director	Mar 1976	12 May 2022	4 other companies
Kenneth James Court	Director	Jun 1945	Not published	3 other companies
Carol Anne Court	Director	Jun 1945	Not published	None
Benjamin Court	Secretary	Not published	3 Apr 2017	–

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: 5
closed down: 1
run together: 2

In the full report: all 5 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

Filed accounts and finances

Year to 28 February 2026Full accountsNot audited

Net assets

£14.4m

−37% from £22.9m

Cash at bank

£2.86m

+43% from £2.01m

Owed within a year

£15.7m

−6.9% from £16.8m

Net assets

In the full report: all 4 years of accounts

Every year from 2023 to 2026
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.

Accounts filed at Companies House for company 01489012. 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

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

Key events (4) All events (9)

2017

2 June 2017

Registered with the FCA

FCA register

2016

6 April 2016

Carol Anne Court became a part-owner (25–50% of shares)
Kenneth James Court became a part-owner (25–50% of shares)

Companies House

1980

2 April 1980

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: 5

Get the full report on Handf Finance

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

5 other companies its directors have run, named
2 background checks on its contact details
4 years of accounts, charted
All 9 events in its history

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Frequently asked questions about this firm

Is Handf Finance Limited FCA authorised?

Handf Finance Limited (FRN 777487) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

What is Handf Finance’s phone number?

The FCA register lists the phone number 020 7407 5589 for Handf Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Handf Finance a scam or clone?

Handf Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with Handf Finance?

Money you hand to Handf Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Who owns Handf Finance?

Companies House lists 2 people with significant control of Handf Finance: Mr Kenneth James Court (25–50% of shares) and Mrs Carol Anne Court (25–50% of shares).

Who runs Handf Finance?

Companies House lists 3 directors of Handf Finance: Benjamin Court, Kenneth James Court and Carol Anne Court.

How long has Handf Finance been in business?

The company was formed on 2 April 1980.

What do Handf Finance’s latest accounts show?

Its latest accounts, to 28 February 2026, show net assets of £14.4m (−37% from £22.9m) and cash at bank of £2.86m (+43% from £2.01m).