Navigate Business Finance Limited

Reference number: 1000197

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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.

Responsible principal firm

THAMES VALLEY ASSET FINANCE LIMITED Reference number: 667804 Authorised 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.
  • Navigate Business Finance Limited (FRN 1000197) is an AR of THAMES VALLEY ASSET FINANCE LIMITED (FRN 667804). When you use Navigate Business Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Navigate Business 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.

In the full report: 3 background checks

  • When navbf.co.uk first appeared online, and whether it can receive email
  • What kind of line 07810 222724 is
  • Who else gives the postcode RG14 5LP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Thames Valley Asset Finance Limited, 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, free
    You 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
13130328
Company status
Active
Company type
Private limited company
Incorporated
13 January 2021 (5 years old)
Registered office
Wyvols Court Basingstoke Road, Swallowfield, Reading, Berkshire, RG7 1WY, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Paul Wise Director Jun 1970 13 Jan 2021 None
Mark Peter Riches Director Jun 1970 16 Aug 2021 6 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
6
closed down
1
are FCA-registered
5

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 5 on the FCA register
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Total equity

£5,020

−62% from £13.1k

Cash at bank

£9,320

+125% from £4,144

Employees (average)

2

+100% from 1

Owed within a year

£23.2k

+21% from £19.2k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 13130328. 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

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

2023

7 September 2023

  • Became an appointed representative

FCA register

2021

24 November 2021

  • Mark Peter Riches became a part-owner (25–50% of shares)

Companies House

16 August 2021

  • Mark Peter Riches appointed as a director

Companies House

13 January 2021

  • Incorporated at Companies House
  • Andrew Paul Wise became a part-owner (25–50% of shares)
  • Andrew Paul Wise appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Navigate Business Finance

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

connected firms
3
share a director
1
share its postcode
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Navigate Business Finance

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

In Newbury

Firstxtra Commercial & Specialist Finance LimitedNewburyAppointed representativeJames GoldstrawNewburyAppointed representativeSteven KayllNewburyAppointed representativeM.k.m. Building Supplies (Newbury) LimitedNewburyAppointed representativeNewbury V.e. LimitedNewburyAppointed representativeIlsley Finance LimitedNewburyAuthorised

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 Navigate Business Finance

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
  • 5 years of accounts, charted
  • All 6 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Navigate Business Finance Limited FCA authorised?
Navigate Business Finance Limited (FRN 1000197) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Navigate Business Finance?
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. Navigate Business Finance Limited (FRN 1000197) is an AR of THAMES VALLEY ASSET FINANCE LIMITED (FRN 667804). When you use Navigate Business Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Navigate Business 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.
What is Navigate Business Finance’s phone number and website?
The FCA register lists the phone number 07810 222724 and the website navbf.co.uk for Navigate Business Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Navigate Business Finance a scam or clone?
Navigate Business 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 Navigate Business Finance?
Protection works through Thames Valley Asset Finance Limited, the principal firm responsible for Navigate Business Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Navigate Business Finance?
Companies House lists 2 people with significant control of Navigate Business Finance: Mr Andrew Paul Wise (25–50% of shares) and Mr Mark Peter Riches (25–50% of shares).
Who runs Navigate Business Finance?
Companies House lists 2 directors of Navigate Business Finance: Andrew Paul Wise and Mark Peter Riches.
How long has Navigate Business Finance been in business?
The company was formed on 13 January 2021.
What do Navigate Business Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £5,020 (−62% from £13.1k) and cash at bank of £9,320 (+125% from £4,144).

Sources and links

The full report on Navigate Business Finance Limited

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