Jay City Finance Limited

Reference number: 724320

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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 jaycity.com first appeared online, and whether it can receive email
  • What kind of line 01923 299972 is, and the other firm that gives it
  • Who else gives the postcode WD4 8JE
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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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
03471606
Company status
Active
Company type
Private limited company
Incorporated
26 November 1997 (28 years old)
Registered office
1 Long Street, Tetbury, Gloucestershire, GL8 8AA
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher James Topping Director Mar 1970 26 Nov 1997 5 other companies
David John Topping Director Mar 1964 26 Nov 1997 35 other companies
Ruth Elizabeth Topping Director Mar 1977 5 Dec 2022 2 other companies
David John Topping Secretary Not published 26 Nov 1997 35 other companies

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
39
closed down
16
went insolvent
2

In the full report: all 39 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The one on the FCA register
  • The 3 companies these 3 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£374k

+16% from £322k

Cash at bank

£489k

+15% from £426k

Employees (average)

15

+36% from 11

Owed within a year

£374k

+4.6% from £358k

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 03471606. 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

Jay City Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (22)

2016

6 April 2016

  • Christopher James Topping became the majority owner (50–75% of shares)

Companies House

2015

13 November 2015

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

FCA register

1997

26 November 1997

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (5 shown here)
  • Every director appointment and resignation: 15
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Firms connected to Jay City Finance

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

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Jay City Finance

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

In Kings Langley

Medox Tutors LimitedKings LangleyAppointed representative

In the Watford (WD) postcode area

D Gibson Financial Services LtdRickmansworthAuthorisedDaryoush Ghamari SairWatfordAuthorisedjohn matthewsRickmansworthAuthorisedLee HicklesRickmansworthAuthorisedMahesh Ambubhai PatelRickmansworthAuthorised

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 Jay City Finance

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

  • 39 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Jay City Finance Limited FCA authorised?
Yes, Jay City Finance Limited (FRN 724320) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Jay City Finance’s phone number and website?
The FCA register lists the phone number 01923 299972 and the website jaycity.com for Jay City Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Jay City Finance a scam or clone?
Jay City 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 Jay City Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Jay City Finance handles your money, so check the specific product before you commit. You can also refer complaints about Jay City Finance to the Financial Ombudsman Service, free of charge.
Who owns Jay City Finance?
Companies House lists one person with significant control of Jay City Finance: Christopher James Topping (50–75% of shares).
Who runs Jay City Finance?
Companies House lists 3 directors of Jay City Finance: Christopher James Topping, David John Topping and Ruth Elizabeth Topping.
How long has Jay City Finance been in business?
The company was formed on 26 November 1997, and has held its current FCA authorisation since November 2015.
What do Jay City Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £374k (+16% from £322k) and cash at bank of £489k (+15% from £426k).

Sources and links

The full report on Jay City Finance Limited

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