KMC Financial Ltd: FCA regulated?

Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

Authorised for 4 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017
Accounts filed up to 28 February 2026
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

kmc-financial.co.uk (opens in a new tab)
Phone number

01342 645252
Address

33 High Street, East Grinstead, West Sussex, RH19 3AF, United Kingdom

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

When kmc-financial.co.uk first appeared online, and whether it can receive email
What kind of line 01342 645252 is
Who else gives the postcode RH19 3AF

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
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 (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL Advisor
Acting as a CBTL arranger
Acting as a CBTL Arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 10555636 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 January 2017 (9 years old)
Registered office: 5 Birch Tree Gardens, East Grinstead, RH19 2BJ, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Kevin Michael Orchard	Director	Aug 1968	10 Jan 2017	1 other company
Jeremy Paul Gibson	Director	May 1973	11 Mar 2026	87 other companies
Mayank Prakash	Director	Jan 1973	11 Mar 2026	57 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: 93
closed down: 16
went insolvent: 1

In the full report: all 93 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 one that went into liquidation or administration
The 38 on the FCA register
The 52 companies these 3 directors run together

Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£203k

−47% from £386k

Cash at bank

£202k

−2.1% from £206k

Employees (average)

6

Same as 6

Owed within a year

£2,931

−99% from £211k

Net assets

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 10555636. Figures are exactly as filed; nothing is estimated.

Key dates in its history

KMC Financial’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2026

11 March 2026

Kevin Michael Orchard gave up control
Pivotal Growth Limited took control (75–100% of shares)

Companies House

2022

26 May 2022

Regulated by the FCA from this date
Applied to cancel its FCA authorisation

FCA register

2017

10 January 2017

Incorporated at Companies House
Kevin Michael Orchard took control (75–100% of shares)

Companies House

In the full report: all 10 events

All 10 events in its history (6 shown here)
Every director appointment and resignation: 3

Firms connected to KMC Financial

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like KMC Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In East Grinstead

Amberwood Mortgages LtdEast GrinsteadAuthorised Davies & Wood LLPEast GrinsteadAuthorised 88 Finance LimitedEast GrinsteadAppointed representative Bespoke Money LimitedEast GrinsteadAppointed representative Herontye Mortgages LtdEast GrinsteadAppointed representative Major Asset Finance & Leasing LtdEast GrinsteadAppointed 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 KMC Financial

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

93 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
7 years of accounts, charted
All 10 events in its history

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Frequently asked questions about this firm

Is KMC Financial Ltd FCA authorised?

KMC Financial Ltd (FRN 963327) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.

What is KMC Financial’s phone number and website?

The FCA register lists the phone number 01342 645252 and the website kmc-financial.co.uk for KMC Financial. If you were given different contact details, use these to check with the firm before going any further.

Is KMC Financial a scam or clone?

KMC Financial 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 KMC Financial?

It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about KMC Financial to the Financial Ombudsman Service, free of charge.

Who owns KMC Financial?

KMC Financial is owned by Pivotal Growth Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 11 March 2026. Before that, it was controlled by Mr Kevin Michael Orchard.

Who runs KMC Financial?

Companies House lists 3 directors of KMC Financial: Kevin Michael Orchard, Jeremy Paul Gibson and Mayank Prakash.

How long has KMC Financial been in business?

The company was formed on 10 January 2017.

What do KMC Financial’s latest accounts show?

Its latest accounts, to 28 February 2026, show net assets of £203k (−47% from £386k) and cash at bank of £202k (−2.1% from £206k).