Lark Financial Limited

Reference number: 996495

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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 larkautomotive.com first appeared online, and whether it can receive email
  • What kind of line 07730 120243 is
  • Who else gives the postcode BT23 4YH
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Other names (1)

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

  • Lark Automotive Trading name

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

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
NI694268
Company status
Active
Company type
Private limited company
Incorporated
6 February 2023 (3 years old)
Registered office
Unit C5 Unit C5 Strangford Park, 19 Jubilee Road, Newtownards, BT23 4YH, Northern Ireland
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Lyndsey Joanne Kerr Director Jul 1980 6 Feb 2023 1 other company
Richard Geoffrey Kerr Director Dec 1979 6 Feb 2023 1 other company
Richard Geoffrey Kerr Secretary Not published 6 Feb 2023 –

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 company
1
still active
1
run together
1

In the full report: all 1 company, 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£1,525

−87% from £11.7k

Employees (average)

1

Up 1 from 0

Owed within a year

£55.1k

+200% from £18.4k

Assets and liabilities

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 NI694268. 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

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

Key events (5) All events (11)

2023

6 October 2023

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

FCA register

6 February 2023

  • Incorporated at Companies House
  • Lyndsey Joanne Kerr became a part-owner (25–50% of shares)
  • Richard Geoffrey Kerr became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Lark Financial

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Lark Financial

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

In Newtownards

B M Autoexchange LtdNewtownardsAuthorisedBurch Autos LimitedNewtownardsAuthorisedCurtis Craig t/a CC MotorsNewtownardsAuthorisedD2 Motors LtdNewtownardsAuthorisedDowneys Cars (N.i.) LtdNewtownardsAuthorisedEdgars Car SalesNewtownardsAuthorised

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 Lark Financial

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • All 11 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lark Financial Limited FCA authorised?
Yes, Lark Financial Limited (FRN 996495) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2023 and works as a car dealer. The FCA has placed no limits on its permissions.
What is Lark Financial’s phone number and website?
The FCA register lists the phone number 07730 120243 and the website larkautomotive.com for Lark Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Lark Financial a scam or clone?
Lark 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 Lark Financial?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Lark Financial handles your money, so check the specific product before you commit. You can also refer complaints about Lark Financial to the Financial Ombudsman Service, free of charge.
Who owns Lark Financial?
Companies House lists 2 people with significant control of Lark Financial: Mrs Lyndsey Joanne Kerr (25–50% of shares) and Mr Richard Geoffrey Kerr (25–50% of shares).
Who runs Lark Financial?
Companies House lists 2 directors of Lark Financial: Lyndsey Joanne Kerr and Richard Geoffrey Kerr.
How long has Lark Financial been in business?
The company was formed on 6 February 2023, and has held its current FCA authorisation since October 2023.
What do Lark Financial’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £1,525 (−87% from £11.7k).
Does Lark Financial use any other names?
It trades as Lark Automotive.

Sources and links

The full report on Lark Financial Limited

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