Harlech Commercial Finance Limited

Reference number: 799463

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Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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 hcfcommercialfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07701 070924 is
  • Who else gives the postcode NP10 0DW
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Other names (1)

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

  • HCF Commercial Finance 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 (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
06004947
Company status
Active
Company type
Private limited company
Incorporated
21 November 2006 (19 years old)
Registered office
7 Watts Close, Rogerstone, Newport, NP10 0DW, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Other letting and operating of own or leased real estate (SIC 68209)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil Antony Mcdonagh Director Jan 1963 21 Nov 2006 2 other companies
Sonia Margaret Mcdonagh Director Mar 1969 16 Oct 2014 None
Sonia Margaret Mcdonagh Secretary Not published 21 Nov 2006 –

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
2
still active
2

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

Year to 31 March 2026Abridged accountsNot audited

Net assets

£341k

−22% from £437k

Cash at bank

£155k

+191% from £53.2k

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 6 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 06004947. 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

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

Key events (6) All events (12)

2018

4 May 2018

  • Regulated by the FCA from this date
  • Applied to cancel its FCA authorisation

FCA register

2016

20 November 2016

  • Neil Antony McDonagh became the majority owner (50–75% of shares)
  • Sonia Margaret McDonagh became a part-owner (25–50% of shares)
  • Sonia Margaret McDonagh stopped being a part-owner

Companies House

2006

21 November 2006

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like Harlech Commercial Finance

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

In Newport

Christopher GoodeNewportAuthorisedClearfc LtdNewportAuthorisedFlexible Commercial Funding LimitedNewportAuthorisedHeather Rowena WagstaffNewportAuthorisedHexa Finance LimitedNewportAuthorisedLeonard SmartNewportAuthorised

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 Harlech Commercial 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
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Harlech Commercial Finance Limited FCA authorised?
Harlech Commercial Finance Limited (FRN 799463) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
What is Harlech Commercial Finance’s phone number and website?
The FCA register lists the phone number 07701 070924 and the website hcfcommercialfinance.co.uk for Harlech Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Harlech Commercial Finance a scam or clone?
Harlech Commercial 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 Harlech Commercial Finance?
Protection depends on which product you hold and how Harlech Commercial Finance handles your money, so check the specific product before you commit. You can also refer complaints about Harlech Commercial Finance to the Financial Ombudsman Service, free of charge.
Who owns Harlech Commercial Finance?
Companies House lists 2 people with significant control of Harlech Commercial Finance: Mr Neil Antony McDonagh (50–75% of shares) and Mrs Sonia Margaret McDonagh (25–50% of shares).
Who runs Harlech Commercial Finance?
Companies House lists 2 directors of Harlech Commercial Finance: Neil Antony McDonagh and Sonia Margaret McDonagh.
How long has Harlech Commercial Finance been in business?
The company was formed on 21 November 2006.
What do Harlech Commercial Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £341k (−22% from £437k) and cash at bank of £155k (+191% from £53.2k).
Does Harlech Commercial Finance use any other names?
It trades as HCF Commercial Finance.

Sources and links

The full report on Harlech Commercial Finance Limited

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