Heritage Commercial Finance Limited

Reference number: 712340

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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.

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.

In the full report: 3 background checks

  • When hertiagecommercialfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01482 669333 is
  • Who else gives the postcode HU15 1NB
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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
01054019
Company status
Active
Company type
Private limited company
Incorporated
11 May 1972 (54 years old)
Registered office
1 The Old Foundry, Cowgate Welton, Brough, North Humberside, HU15 1NB
Nature of business
  • Financial leasing (SIC 64910)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Anthony Wright Director Dec 1971 27 Jan 2004 1 other company
Allison Jayne Lee Director May 1968 6 Apr 2012 2 other companies
Margaret Ann Wright Director Oct 1944 Not published 2 other companies
Mark Anthony Wright Secretary Not published 11 Feb 2009 1 other company

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
4
closed down
1
run together
1

In the full report: all 4 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 1 company these 3 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 1 October 2025Small company accountsNot audited

Net assets

£9.05m

<1% from £8.99m

Cash at bank

£2.65m

+340% from £602k

Employees (average)

6

Same as 6

Owed within a year

£5.32m

−7.5% from £5.75m

No turnover or profit for the year to 1 October 2025: the accounts print them but do not tag them. The last tagged figures are £2.29m turnover and £731k profit, for the year to 1 October 2019.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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.

Accounts filed at Companies House for company 01054019. 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

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

Key events (5) All events (10)

2016

6 April 2016

  • Allison Jayne Lee became a part-owner (25–50% of shares)
  • Margaret Ann Wright became a part-owner (25–50% of shares)
  • Mark Anthony Wright became a part-owner (25–50% of shares)

Companies House

2015

2 September 2015

  • Registered with the FCA

FCA register

1972

11 May 1972

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Get the full report on Heritage Commercial Finance

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

  • 4 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

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Frequently asked questions about this firm

Is Heritage Commercial Finance Limited FCA authorised?
Heritage Commercial Finance Limited (FRN 712340) 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 Heritage Commercial Finance’s phone number and website?
The FCA register lists the phone number 01482 669333 and the website hertiagecommercialfinance.co.uk for Heritage Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Heritage Commercial Finance a scam or clone?
Heritage Commercial 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 Heritage Commercial Finance?
Money you hand to Heritage Commercial 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 Heritage Commercial Finance?
Companies House lists 3 people with significant control of Heritage Commercial Finance: Mrs Allison Jayne Lee (25–50% of shares), Mrs Margaret Ann Wright (25–50% of shares) and Mr Mark Anthony Wright (25–50% of shares).
Who runs Heritage Commercial Finance?
Companies House lists 3 directors of Heritage Commercial Finance: Mark Anthony Wright, Allison Jayne Lee and Margaret Ann Wright.
How long has Heritage Commercial Finance been in business?
The company was formed on 11 May 1972.
What do Heritage Commercial Finance’s latest accounts show?
Its latest accounts, to 1 October 2025, show net assets of £9.05m (<1% from £8.99m) and cash at bank of £2.65m (+340% from £602k).

Sources and links

The full report on Heritage Commercial Finance Limited

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