IPRAM Asset Finance Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 5 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2011
Accounts filed up to 31 December 2025
1 thing worth a closer look in the background checks

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.

Website

discountednewcarsandvans.co.uk (opens in a new tab)
Phone number

01254 919404
Address

Unit 6, Dalton Court, Commercial Road, Darwen, Lancashire, BB3 0DG, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When discountednewcarsandvans.co.uk first appeared online, and whether it can receive email
What kind of line 01254 919404 is
Who else gives the postcode BB3 0DG

Other names (6)

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

discountednewcarsandvans.co.uk Trading name: A name it trades under now.
j4carandvans.com Trading name: A name it trades under now.
carandvandiscount.com Former trading name: A name it used to trade under.
discounted-new-cars.com Former trading name: A name it used to trade under.
discountednewvans.com Former trading name: A name it used to trade under.
IPRAM Commercial Equipment Services Former trading name: A name it used to trade under.

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: 07534509 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 18 February 2011 (15 years old)
Registered office: Unit 6 Dalton Court, Commercial Road, Darwen, BB3 0DG, England
Nature of business: Renting and leasing of other machinery, equipment and tangible goods not elsewhere classified (SIC 77390)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Richard Thomas Cort	Director	Mar 1956	28 Sep 2011	14 other companies
William Howard Firth	Director	Nov 1955	28 Sep 2011	9 other companies

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: 19
closed down: 12
is FCA-registered: 1

In the full report: all 19 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
The one on the FCA register
The 4 companies these 2 directors run together
All 4 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Total equity

£106

Up £20.1k from −£19.9k

Cash at bank

£326

Up £313 from £13

Owed within a year

£220

−99% from £20.0k

Total equity

In the full report: all 7 years of accounts

Every year from 2020 to 2025
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 07534509. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (27)

2021

24 September 2021

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

FCA register

2017

1 February 2017

Richard Thomas Cort became a part-owner (25–50% of shares)
William Howard Firth became a part-owner (25–50% of shares)

Companies House

2011

18 February 2011

Incorporated at Companies House

Companies House

In the full report: all 27 events

All 27 events in its history (5 shown here)
Every director appointment and resignation: 6

Firms connected to IPRAM Asset Finance

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

connected firms: 4
share its postcode: 4
past link: 1

In the full report: all 4 connected firms, named

How each is linked: the same postcode (4)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like IPRAM Asset Finance

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

In Darwen

Michael BestDarwenAppointed representative Canopies UK LimitedDarwenAuthorised R.t.e. Fabrications LimitedDarwenAuthorised Regent Horseboxes LtdDarwenAppointed representative

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 IPRAM Asset Finance

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

19 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
7 years of accounts, charted
All 27 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is IPRAM Asset Finance Ltd FCA authorised?

Yes, IPRAM Asset Finance Ltd (FRN 945503) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2021 and works as a credit broker. The FCA has placed no limits on its permissions.

What is IPRAM Asset Finance’s phone number and website?

The FCA register lists the phone number 01254 919404 and the website discountednewcarsandvans.co.uk for IPRAM Asset Finance. If you were given different contact details, use these to check with the firm before going any further.

Is IPRAM Asset Finance a scam or clone?

IPRAM Asset 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 IPRAM Asset Finance?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how IPRAM Asset Finance handles your money, so check the specific product before you commit. You can also refer complaints about IPRAM Asset Finance to the Financial Ombudsman Service, free of charge.

Who owns IPRAM Asset Finance?

Companies House lists 2 people with significant control of IPRAM Asset Finance: Mr Richard Thomas Cort (25–50% of shares) and Mr William Howard Firth (25–50% of shares).

Who runs IPRAM Asset Finance?

Companies House lists 2 directors of IPRAM Asset Finance: Richard Thomas Cort and William Howard Firth.

How long has IPRAM Asset Finance been in business?

The company was formed on 18 February 2011, and has held its current FCA authorisation since September 2021.

What do IPRAM Asset Finance’s latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £106 (up £20.1k from −£19.9k) and cash at bank of £326 (up £313 from £13).

Does IPRAM Asset Finance use any other names?

It trades as discountednewcarsandvans.co.uk and j4carandvans.com. It has previously used 4 other names, including carandvandiscount.com, discounted-new-cars.com and discountednewvans.com.