Laybrook Group Limited

Reference number: 1000411

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • LAYBROOK GROUP LIMITED (FRN 1000411) is an AR of First Senior Finance Limited (FRN 726510). When you use LAYBROOK GROUP's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LAYBROOK GROUP, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 laybrook.com first appeared online, and whether it can receive email
  • What kind of line 01869 255400 is
  • Who else gives the postcode OX26 4ST
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Senior Finance Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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 status
Active
Company type
Private limited company
Incorporated
13 September 2021 (5 years old)
Registered office
Faveo House 2 Somerville Court, Banbury Business Park, Adderbury, Oxfordshire, OX17 3SN, United Kingdom
Nature of business
  • Other manufacturing not elsewhere classified (SIC 32990)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Francis Jude Kavanagh Director Feb 1971 13 Sep 2021 6 other companies
Brett Nicholas Gilham Director Apr 1976 2 Apr 2024 2 other companies

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
8
closed down
4
still active
4

In the full report: all 8 companies, 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
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£661k

+139% from £277k

Cash at bank

£702k

+26% from £556k

Employees (average)

29

−6.5% from 31

Owed within a year

£716k

−14% from £829k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • 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 13616740. 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

Laybrook Group’s history from the FCA register and Companies House, newest first.

2024

2 April 2024

  • Brett Nicholas Gilham appointed as a director

Companies House

2023

25 July 2023

  • Became an appointed representative

FCA register

2021

13 September 2021

  • Incorporated at Companies House
  • Michael Francis Jude Kavanagh took control (75–100% of shares)
  • Michael Francis Jude Kavanagh appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Laybrook Group

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

In Bicester

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 Laybrook Group

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Laybrook Group Limited FCA authorised?
Laybrook Group Limited (FRN 1000411) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Laybrook Group?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Laybrook Group Limited (FRN 1000411) is an AR of First Senior Finance Limited (FRN 726510). When you use Laybrook Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Laybrook Group, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Laybrook Group’s phone number and website?
The FCA register lists the phone number 01869 255400 and the website laybrook.com for Laybrook Group. If you were given different contact details, use these to check with the firm before going any further.
Is Laybrook Group a scam or clone?
Laybrook Group 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 Laybrook Group?
Protection works through First Senior Finance Limited, the principal firm responsible for Laybrook Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Laybrook Group?
Companies House lists one person with significant control of Laybrook Group: Mr Michael Francis Jude Kavanagh (75–100% of shares).
Who runs Laybrook Group?
Companies House lists 2 directors of Laybrook Group: Michael Francis Jude Kavanagh and Brett Nicholas Gilham.
How long has Laybrook Group been in business?
The company was formed on 13 September 2021.
What do Laybrook Group’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £661k (+139% from £277k) and cash at bank of £702k (+26% from £556k).

Sources and links

The full report on Laybrook Group Limited

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