Love Finance Limited

Reference number: 723310

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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 lovey.com first appeared online, and whether it can receive email
  • What kind of line 0800 086 9404 is
  • Who else gives the postcode B3 3JY
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Other names (2)

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

  • Lovey Trading name
  • Love Leasing Former 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

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
08103018
Company status
Active
Company type
Private limited company
Incorporated
13 June 2012 (14 years old)
Registered office
36 Great Charles Street Queensway, Birmingham, B3 3JY, England
Nature of business
  • Business and domestic software development (SIC 62012)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Jack James Smith Director Oct 1991 13 Jun 2012 None
Kai Hunter Director Dec 1973 17 Jan 2025 1 other company
Alexander Thomas Joseph O'Malley Director Feb 1995 17 Jan 2025 2 other companies
Jenny Sadler Director Jun 1990 17 Jan 2025 2 other companies
Stuart Alexander Buck Director Mar 1992 1 Apr 2025 None
Jenny Sadler Secretary Not published 17 Jan 2025 –

Other companies run by these 5 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
3
still active
3
run together
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 companies these 5 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Abridged accountsNot audited

Net assets

£951k

+154% from £375k

Cash at bank

£341k

+6.8% from £320k

Employees (average)

45

+96% from 23

Owed within a year

£3.91m

Up £3.55m from £354k

The accounts for the year to 31 December 2023 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £439k, for the year to 31 December 2022.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2023
  • 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 08103018. 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

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

Key events (5) All events (18)

2017

1 January 2017

  • Jack James Smith took control (75–100% of shares)

Companies House

2016

9 May 2016

  • 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

2012

13 June 2012

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (5 shown here)
  • Every director appointment and resignation: 7
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Firms like Love Finance

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

In Birmingham

Midland Heart LtdBirminghamAuthorisedBartley Green CommercialsBirminghamAuthorisedCrediCar LimitedBirminghamAuthorisedCVS Financial Planning LtdBirminghamAuthorisedDr R K Farmah, Dr K K Farmah & S K FarmahBirminghamAuthorisedEdgintons of InkfordBirminghamAuthorised

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 Love Finance

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 18 events in its history

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Frequently asked questions about this firm

Is Love Finance Limited FCA authorised?
Yes, Love Finance Limited (FRN 723310) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Love Finance’s phone number and website?
The FCA register lists the phone number 0800 086 9404 and the website lovey.com for Love Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Love Finance a scam or clone?
Love 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 Love Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Love Finance handles your money, so check the specific product before you commit. You can also refer complaints about Love Finance to the Financial Ombudsman Service, free of charge.
Who owns Love Finance?
Companies House lists one person with significant control of Love Finance: Mr Jack James Smith (75–100% of shares).
Who runs Love Finance?
Companies House lists 5 directors of Love Finance: Jack James Smith, Kai Hunter, Alexander Thomas Joseph O'Malley, Jenny Sadler and Stuart Alexander Buck.
How long has Love Finance been in business?
The company was formed on 13 June 2012, and has held its current FCA authorisation since May 2016.
What do Love Finance’s latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of £951k (+154% from £375k) and cash at bank of £341k (+6.8% from £320k).
Does Love Finance use any other names?
It trades as Lovey. It has previously used the name Love Leasing.

Sources and links

The full report on Love Finance Limited

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