Henderson Finance (Liverpool) Ltd

Reference number: 688633

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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 hendersonfinanceliverpool.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 733 5151 is
  • Who else gives the postcode L15 4LF
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The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

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 (4 permissions)
  • Entering into a regulated home credit loan agreement as lender
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
06957114
Company status
Active
Company type
Private limited company
Incorporated
9 July 2009 (17 years old)
Registered office
95 Picton Road, Wavertree, Liverpool, L15 4LF, England
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
Peter Stephen Lau Director Oct 1968 31 Oct 2017 1 other company
Sherie Louise Lau Director Feb 1976 6 Apr 2018 1 other company

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 company
1
still active
1
run together
1

In the full report: all 1 company, 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
  • The 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

£260k

−18% from £317k

Cash at bank

£32.2k

No earlier figure to compare

Employees (average)

4

+33% from 3

Owed within a year

£291k

−1.6% from £296k

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 06957114. 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

Henderson Finance (Liverpool)’s history from the FCA register and Companies House, newest first.

Key events (12) All events (24)

2024

1 January 2024

  • Sherie Louise Lau became a part-owner (25–50% of shares)

Companies House

2017

31 October 2017

  • Board replaced: both directors left and a new director took over
  • Pauline Maylee Henderson stopped being a part-owner
  • Peter Stephen Lau became a part-owner (25–50% of shares)
  • Stanley Henderson stopped being the majority owner

Companies House

2016

21 April 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not for profit firm)
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

6 April 2016

  • Pauline Maylee Henderson became a part-owner (25–50% of shares)
  • Stanley Henderson became the majority owner (50–75% of shares)

Companies House

2009

9 July 2009

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (12 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Henderson Finance (Liverpool)

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

connected firms
2
no longer authorised
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Henderson Finance (Liverpool)

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

In Liverpool

Shop Direct Finance Company LimitedLiverpoolAuthorisedAcorn Insurance and Financial Services LimitedLiverpoolAuthorisedA & E E Callan LimitedLiverpoolAuthorisedA & S SuppliesliverpoolAuthorisedAlan O'connorLiverpoolAuthorisedAsh Loans LimitedLiverpoolAuthorised

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 Henderson Finance (Liverpool)

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 24 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Henderson Finance (Liverpool) Ltd FCA authorised?
Yes, Henderson Finance (Liverpool) Ltd (FRN 688633) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Henderson Finance (Liverpool)’s phone number and website?
The FCA register lists the phone number 0151 733 5151 and the website hendersonfinanceliverpool.co.uk for Henderson Finance (Liverpool). If you were given different contact details, use these to check with the firm before going any further.
Is Henderson Finance (Liverpool) a scam or clone?
Henderson Finance (Liverpool) 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 Henderson Finance (Liverpool)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Henderson Finance (Liverpool) handles your money, so check the specific product before you commit. You can also refer complaints about Henderson Finance (Liverpool) to the Financial Ombudsman Service, free of charge.
Who owns Henderson Finance (Liverpool)?
Companies House lists 2 people with significant control of Henderson Finance (Liverpool): Mrs Sherie Louise Lau (25–50% of shares) and Mr Peter Stephen Lau (25–50% of shares). Before that, it was controlled by Mr Stanley Henderson and Mrs Pauline Maylee Henderson.
Who runs Henderson Finance (Liverpool)?
Companies House lists 2 directors of Henderson Finance (Liverpool): Peter Stephen Lau and Sherie Louise Lau.
How long has Henderson Finance (Liverpool) been in business?
The company was formed on 9 July 2009, and has held its current FCA authorisation since April 2016.
What do Henderson Finance (Liverpool)’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £260k (−18% from £317k) and cash at bank of £32.2k (no earlier figure to compare).

Sources and links

The full report on Henderson Finance (Liverpool) Ltd

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