Melfinco Limited
Reference number: 759808
Instant download
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.
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Phone number
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Address
62 Church Street, Westhoughton, Bolton, Greater Manchester, BL5 3RS, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When nerolimortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 01942 818631 is
- Who else gives the postcode BL5 3RS
Other names (6)
If you were contacted under any of these names, it is this firm.
- Neroli Mortgages Trading name: A name it trades under now.
- Neroli Mortgages & Finance Trading name: A name it trades under now.
- www.nerolimortgages.co.uk Trading name: A name it trades under now.
- Emerge From Debt Former trading name: A name it used to trade under.
- emergefromdebt.co.uk Former trading name: A name it used to trade under.
- www.nmaf.co.uk Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Sell or arrange insurance FSCS may applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
- Acting as a CBTL advisor
- 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
- Assisting in the administration and performance of a contract of insurance
- Credit Broking
- Dealing in investments as agent
- Debt Adjusting
- 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
- 08530273 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 May 2013 (13 years old)
- Registered office
- 1 Mill Lane, Westhoughton, Bolton, BL5 2DN, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Patrick Joseph Horne | Director | May 1970 | 15 May 2013 | 3 other companies |
| Wendy Horne | Director | Apr 1965 | 26 Sep 2018 | 5 other companies |
| Patrick Horne | Secretary | Not published | 15 May 2013 | – |
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
- 6
- closed down
- 3
- run together
- 2
In the full report: all 6 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
- The 2 companies these 2 directors run together
Filed accounts and finances
Net assets
£7,092
−54% from £15.6k
Employees (average)
2
Same as 2
Owed within a year
£6,949
+19% from £5,820
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- 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 08530273. 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
Melfinco’s history from the FCA register and Companies House, newest first.
2020
22 May 2020
- Wendy Horne became a part-owner (25–50% of shares)
Companies House
2017
15 May 2017
- Patrick Joseph Horne became a part-owner (25–50% of shares)
Companies House
1 March 2017
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2013
15 May 2013
- Incorporated at Companies House
Companies House
In the full report: all 17 events
- All 17 events in its history (5 shown here)
- Every director appointment and resignation: 2
Firms connected to Melfinco
Other FCA-listed firms that share a director, phone number or address with Melfinco. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Melfinco
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bolton
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 Melfinco
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 17 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Melfinco Limited FCA authorised?
What is Melfinco’s phone number and website?
Is Melfinco a scam or clone?
Is my money safe with Melfinco?
Who owns Melfinco?
Who runs Melfinco?
How long has Melfinco been in business?
What do Melfinco’s latest accounts show?
Does Melfinco use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk