Jay City Leasing Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2001
Accounts filed up to 31 March 2026

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

jct-finance.com (opens in a new tab)
Phone number

01923 299972
Address

Jay City Finance Ltd, Unit 14, Langley Wharf, Railway Terrace, Kings Langley, Hertfordshire, WD4 8JE, United Kingdom

In the full report: 3 background checks

When jct-finance.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

FCA permissions and consumer protection

Hire out goods to consumers 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 Regulated Consumer Hire Agreements as owner
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire 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: 04329288 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 November 2001 (24 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
David John Topping	Director	Mar 1964	31 Oct 2005	35 other companies
Christopher James Topping	Director	Mar 1970	10 Dec 2012	5 other companies
David John Topping	Secretary	Not published	4 Dec 2009	–

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: 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 2 directors sit on each board, and since when
The 2 that went into liquidation or administration
The one on the FCA register
The 1 company these 2 directors run together
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£49.9k

No earlier figure to compare

Cash at bank

£6,040

No earlier figure to compare

Employees (average)

0

Same as 0

Owed within a year

£67.6k

−21% from £85.8k

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

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 04329288. 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 Leasing’s history from the FCA register and Companies House, newest first.

Key events (6) All events (16)

2017

26 January 2017

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

FCA register

2016

6 April 2016

Christopher James Topping gained significant control
David John Topping gained significant control
Jay City Finance Limited took control (75–100% of shares)

Companies House

2001

27 November 2001

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (6 shown here)
Every director appointment and resignation: 8

Firms connected to Jay City Leasing

Other FCA-listed firms that share a director, phone number or address with Jay City Leasing. 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

Firms like Jay City Leasing

Other firms of the same type (car leasing or hire), nearest first.

In the Watford (WD) postcode area

Champion Europe LimitedWatfordAuthorised

Elsewhere in the UK

Yamaha Motor Europe N.V., Branch UKWokingAuthorised Motability Operations LimitedLondonAuthorised Altitude Funding Solutions LtdMerseysideAuthorised Amour Prestige International LtdLondonAuthorised Armada Investments LimitedExeterAuthorised

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 Leasing

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 16 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 Leasing Ltd FCA authorised?

Yes, Jay City Leasing Ltd (FRN 757705) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2017 and works as a car leasing or hire. The FCA has placed no limits on its permissions.

What is Jay City Leasing’s phone number and website?

The FCA register lists the phone number 01923 299972 and the website jct-finance.com for Jay City Leasing. 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 Leasing a scam or clone?

Jay City Leasing 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 Leasing?

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

Who owns Jay City Leasing?

Jay City Leasing is owned by Jay City Finance Limited, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board and held through a firm, since 6 April 2016.

Who runs Jay City Leasing?

Companies House lists 2 directors of Jay City Leasing: David John Topping and Christopher James Topping.

How long has Jay City Leasing been in business?

The company was formed on 27 November 2001, and has held its current FCA authorisation since January 2017.

What do Jay City Leasing’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £49.9k (no earlier figure to compare) and cash at bank of £6,040 (no earlier figure to compare).