J.a. Bains Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1946
Accounts filed up to 31 March 2025

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.

No website on the FCA register
Phone number

0191 286 4244
Address

J.A.Bains Limited, 23 Aston House, Redburn Road, Newcastle Upon Tyne, NE5 1NB, United Kingdom

In the full report: 2 background checks

What kind of line 0191 286 4244 is
Who else gives the postcode NE5 1NB

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 (2 permissions)

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

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: 00417634 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 August 1946 (80 years old)
Registered office: 23 Aston House, Redburn Road, Westerhope, Newcastle Upon Tyne, NE5 1NB
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
Paul Kettle	Director	Aug 1957	5 Jan 2026	None
Norma Bains	Director	Nov 1938	Not published	None
Norma Bains	Secretary	Not published	Not published	None

In the full report: every company its directors have run

Confirmation that these 2 directors run no other company
All 4 people who have been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£183k

−18% from £223k

Cash at bank

£77.4k

−23% from £100k

Employees (average)

4

Same as 4

Owed within a year

£11.2k

+38% from £8,109

Assets and liabilities

In the full report: all 6 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 00417634. 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

J.a. Bains’s history from the FCA register and Companies House, newest first.

Key events (4) All events (10)

2016

6 April 2016

Norma Bains became the majority owner (50–75% of shares)

Companies House

2015

4 December 2015

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

FCA register

1946

20 August 1946

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms connected to J.a. Bains

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like J.a. Bains

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

In Newcastle Upon Tyne

Home Group LimitedNewcastle upon TyneAuthorised Chris Gooding (IFA) LtdNewcastle upon TyneAuthorised Mammoth Finance LimitedNewcastle Upon TyneAuthorised Northern Transport Finance LimitedNewcastle upon TyneAuthorised S P & K B ChaddahNewcastle Upon TyneAuthorised Tick Finance LtdNewcastle Upon TyneAuthorised

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 J.a. Bains

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
2 background checks on its contact details
6 years of accounts, charted
All 10 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is J.a. Bains Limited FCA authorised?

Yes, J.a. Bains Limited (FRN 707284) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2015 and works as a lender. The FCA has placed no limits on its permissions.

What is J.a. Bains’ phone number?

The FCA register lists the phone number 0191 286 4244 for J.a. Bains. If you were given different contact details, use these to check with the firm before going any further.

Is J.a. Bains a scam or clone?

J.a. Bains 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 J.a. Bains?

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

Who owns J.a. Bains?

Companies House lists 2 people with significant control of J.a. Bains: Mrs Norma Bains (50–75% of shares) and Mrs Norma Bains (50–75% of shares).

Who runs J.a. Bains?

Companies House lists 2 directors of J.a. Bains: Paul Kettle and Norma Bains.

How long has J.a. Bains been in business?

The company was formed on 20 August 1946, and has held its current FCA authorisation since December 2015.

What do J.a. Bains’ latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of £183k (−18% from £223k) and cash at bank of £77.4k (−23% from £100k).