Howards Cycles Limited

Reference number: 919333

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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 howardscycles.co.uk first appeared online, and whether it can receive email
  • What kind of line 01953 607127 is
  • Who else gives the postcode NR18 0LB
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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 (1 permission)
  • Credit Broking

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
04918609
Company status
Active
Company type
Private limited company
Incorporated
1 October 2003 (23 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other retail sale of new goods in specialised stores (not commercial art galleries and opticians) (SIC 47789)

Directors and company secretaries

Name Role Born Appointed Other companies
Raymond Frederick Howard Director Jun 1971 3 Oct 2003 None
Rebecca Howard Director Feb 1974 3 Oct 2003 None
Rebecca Howard Secretary Not published 3 Oct 2003 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£190k

+19% from £159k

Cash at bank

£49.5k

−39% from £81.2k

Employees (average)

3

Same as 3

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 04918609. 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

Howards Cycles’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2020

26 January 2020

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

FCA register

2016

1 October 2016

  • Raymond Frederick Howard became a part-owner (25–50% of shares)
  • Rebecca Howard became a part-owner (25–50% of shares)

Companies House

2003

1 October 2003

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Howards Cycles

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

In the Norwich (NR) postcode area

Angling Direct PLCNorwichAuthorisedWarehouse Express LimitedNorwichAuthorisedUttings LimitedNorwichAuthorisedHughes TV and Audio LimitedBecclesAuthorisedThe Cotswold Company (UK) LimitedNorwichAuthorisedSdeg LimitedGreat YarmouthAuthorised

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 Howards Cycles

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Howards Cycles Limited FCA authorised?
Yes, Howards Cycles Limited (FRN 919333) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2020 and works as a retailer. The FCA has placed no limits on its permissions.
What is Howards Cycles’ phone number and website?
The FCA register lists the phone number 01953 607127 and the website howardscycles.co.uk for Howards Cycles. If you were given different contact details, use these to check with the firm before going any further.
Is Howards Cycles a scam or clone?
Howards Cycles 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 Howards Cycles?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Howards Cycles handles your money, so check the specific product before you commit. You can also refer complaints about Howards Cycles to the Financial Ombudsman Service, free of charge.
Who owns Howards Cycles?
Companies House lists 2 people with significant control of Howards Cycles: Mr Raymond Frederick Howard (25–50% of shares) and Mrs Rebecca Howard (25–50% of shares).
Who runs Howards Cycles?
Companies House lists 2 directors of Howards Cycles: Raymond Frederick Howard and Rebecca Howard.
How long has Howards Cycles been in business?
The company was formed on 1 October 2003, and has held its current FCA authorisation since January 2020.
What do Howards Cycles’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £190k (+19% from £159k) and cash at bank of £49.5k (−39% from £81.2k).

Sources and links

The full report on Howards Cycles Limited

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