NACO Finance Limited

Reference number: 730538

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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.

  • No website on the FCA register

  • Phone number

    01255 820321

  • Address

    37 Clacton Road, St. Osyth, Clacton-on-Sea, Essex, CO16 8PA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01255 820321 is, and the 4 other firms that give it
  • Who else gives the postcode CO16 8PA
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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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
05225293
Company status
Active
Company type
Private limited company
Incorporated
8 September 2004 (22 years old)
Registered office
37 Clacton Road, Leisurefame House, St. Osyth, Essex, CO16 8PA, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Terence William John O'Dell Director Oct 1947 28 Nov 2005 2 other companies
Stephen Peter Munro Director Mar 1958 11 Feb 2016 3 other companies
Brian Charles Peaper Director Jun 1947 26 May 2016 2 other companies
Stephen Peter Munro Secretary Not published 28 Nov 2005 3 other companies

Other companies run by these 3 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
still active
4
are FCA-registered
3

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 2 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

−£41.0k

Up £7,181 from −£48.2k

Cash at bank

£11.5k

−50% from £23.1k

Employees (average)

2

Same as 2

Owed within a year

£105k

−32% from £153k

Net assets are negative: on its last balance sheet the company owed £41.0k more than it owned.

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 05225293. 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

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

Key events (5) All events (10)

2018

28 March 2018

  • Terence William John O'Dell became a part-owner (25–50% of shares)

Companies House

2016

6 July 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

2004

8 September 2004

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to NACO Finance

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

connected firms
5
share a director
3
share its phone number
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (3), the same phone number (4), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like NACO Finance

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

In Clacton-on-Sea

Henryk Pawel CynianClacton-on-SeaAuthorisedCash £Xchange LtdClacton-On-SeaAuthorised

In the Colchester (CO) postcode area

Credit Vibe Finance LimitedColchesterAuthorisedGareth Meirion DaviesColchesterAuthorisedMallard Leasing LimitedColchesterAuthorisedPaul James WilkinsonColchesterAuthorised

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 NACO 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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is NACO Finance Limited FCA authorised?
Yes, NACO Finance Limited (FRN 730538) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is NACO Finance’s phone number?
The FCA register lists the phone number 01255 820321 for NACO Finance. 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 4 other FCA firms.
Is NACO Finance a scam or clone?
NACO 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 NACO Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how NACO Finance handles your money, so check the specific product before you commit. You can also refer complaints about NACO Finance to the Financial Ombudsman Service, free of charge.
Who owns NACO Finance?
Companies House lists one person with significant control of NACO Finance: Mr Terence William John O'Dell (25–50% of shares).
Who runs NACO Finance?
Companies House lists 3 directors of NACO Finance: Terence William John O'Dell, Stephen Peter Munro and Brian Charles Peaper.
How long has NACO Finance been in business?
The company was formed on 8 September 2004, and has held its current FCA authorisation since July 2016.
What do NACO Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£41.0k (up £7,181 from −£48.2k) and cash at bank of £11.5k (−50% from £23.1k).

Sources and links

The full report on NACO Finance Limited

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