M & S.m.andrew Limited

Reference number: 674628

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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, 1 thing worth a closer look

  • When townandcountryfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01260 223540 is, and the 2 other firms that give it
  • Who else gives the postcode WA16 8QT
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Other names (7)

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

  • Agricultural and Equestrian Finance Trading name
  • Business and Industrial Finance Trading name
  • Farming and Equestrian Finance Trading name
  • Rural and Commercial Finance Trading name
  • Simple Business Loans Trading name
  • The Rural Mortgage Company Trading name
  • Town and Country Finance 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
06018994
Company status
Active
Company type
Private limited company
Incorporated
5 December 2006 (19 years old)
Registered office
Trelinda House, 5 Molly Potts, Close, Knutsford, Cheshire, WA16 8QT
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Andrew Director Jul 1962 5 Dec 2006 None
Sharon Marie Andrew Director Oct 1965 5 Dec 2006 None
Mark Andrew Secretary Not published 5 Dec 2006 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

£428

−92% from £5,469

Employees (average)

2

Same as 2

Owed within a year

£35.2k

−31% from £51.3k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 06018994. 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

M & S.m.andrew’s history from the FCA register and Companies House, newest first.

Key events (5) All events (16)

2016

5 December 2016

  • Mark Andrew gained significant control

Companies House

2015

27 July 2015

  • 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

2006

5 December 2006

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to M & S.m.andrew

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

connected firms
2
share its phone number
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (2)
  • Who links each one: the named directors, with dates
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Firms like M & S.m.andrew

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

In Knutsford

Anton Simon ChiltonKnutsfordAuthorisedWilliam ChildsKnutsfordAuthorisedGuy Richard WardKnutsfordAppointed representativeWright Agri LimitedKnutsfordAuthorised

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 M & S.m.andrew

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

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 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 M & S.m.andrew Limited FCA authorised?
Yes, M & S.m.andrew Limited (FRN 674628) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is M & S.m.andrew’s phone number and website?
The FCA register lists the phone number 01260 223540 and the website townandcountryfinance.co.uk for M & S.m.andrew. 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 2 other FCA firms.
Is M & S.m.andrew a scam or clone?
M & S.m.andrew 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 M & S.m.andrew?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how M & S.m.andrew handles your money, so check the specific product before you commit. You can also refer complaints about M & S.m.andrew to the Financial Ombudsman Service, free of charge.
Who owns M & S.m.andrew?
Companies House lists one person with significant control of M & S.m.andrew: Mr Mark Andrew (significant influence or control).
Who runs M & S.m.andrew?
Companies House lists 2 directors of M & S.m.andrew: Mark Andrew and Sharon Marie Andrew.
How long has M & S.m.andrew been in business?
The company was formed on 5 December 2006, and has held its current FCA authorisation since July 2015.
What do M & S.m.andrew’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £428 (−92% from £5,469).
Does M & S.m.andrew use any other names?
It trades as Agricultural and Equestrian Finance, Business and Industrial Finance, Farming and Equestrian Finance, Rural and Commercial Finance and Simple Business Loans, and 2 more names.

Sources and links

The full report on M & S.m.andrew Limited

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