Melius Commercial Finance Ltd
Reference number: 927145
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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.
- Appointed for 6 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 30 April 2026
- Its whole board of directors changed in January 2025
Responsible principal firm
Connect IFA Ltd Reference number: 441505 View firm →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.
- MELIUS COMMERCIAL FINANCE LTD (FRN 927145) is an AR of Connect IFA Ltd (FRN 441505). When you use MELIUS COMMERCIAL FINANCE's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from MELIUS COMMERCIAL FINANCE, 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.
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Phone number
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Address
Fraser House, Rumford Place, Liverpool, Liverpool, L3 9BY, United Kingdom
In the full report: 3 background checks
- When meliuscommercial.com first appeared online, and whether it can receive email
- What kind of line 07838 363127 is
- Who else gives the postcode L3 9BY
Other names (2)
If you were contacted under any of these names, it is this firm.
- LIZARD MONEY Trading name: A name it trades under now.
- LIZARD MONEY LIMITED Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Connect IFA Ltd, 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, freeYou 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 number
- 12575395 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 April 2020 (6 years old)
- Registered office
- Fraser House, Rumford Court, Liverpool, L3 9BY, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Thomas Charles Singleton | Director | Jan 1991 | 8 Jan 2025 | None |
| Daniel Paul Jones | Director | Apr 1989 | 5 Aug 2025 | 4 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
- 4
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 4 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 one on the FCA register
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£100
Same as £100
These accounts were filed as dormant: the company reported no significant trading in the period.
Net assets
In the full report: all 6 years of accounts
- Every year from 2021 to 2026
- 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.
Accounts filed at Companies House for company 12575395. 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
Melius Commercial Finance’s history from the FCA register and Companies House, newest first.
2025
7 August 2025
- Changed its registered name from "LIZARD MONEY LIMITED"
FCA register
8 January 2025
- Board replaced: its only director left and a new director took over
- Adapt Finance Investment Group Limited stopped being the majority owner
- Carl Lowe stopped being a part-owner
- Thomas Charles Singleton took control (75–100% of shares)
Companies House
2020
2 June 2020
- Became an appointed representative
FCA register
28 April 2020
- Incorporated at Companies House
- Adapt Finance Investment Group Limited became the majority owner (50–75% of shares)
- Carl Lowe became a part-owner (25–50% of shares)
Companies House
In the full report: all 16 events
- All 16 events in its history (9 shown here)
- Every director appointment and resignation: 6
Firms connected to Melius Commercial Finance
Other FCA-listed firms that share a director, phone number or address with Melius Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Melius Commercial Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Liverpool
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 Melius Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 16 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk