ND Trading Ltd

Reference number: 712313

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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

  • When lovelycars.com first appeared online, and whether it can receive email
  • What kind of line 01494 700483 is
  • Who else gives the postcode HP8 4HS
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Other names (1)

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

  • Lovelycars.com 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 (4 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Providing Credit Information Services

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
05343993
Company status
Active
Company type
Private limited company
Incorporated
27 January 2005 (21 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Sale of other motor vehicles (SIC 45190)
  • Retail trade of motor vehicle parts and accessories (SIC 45320)

Directors and company secretaries

Name Role Born Appointed Other companies
Nikolay Manolov Kumchev Director Mar 1978 27 Jan 2005 2 other companies
Dilyana Gancheva Cholakova Director May 1977 20 Jan 2007 None
Dilyana Gancheva Cholakova Secretary Not published 20 Jan 2007 None

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
2
closed down
2

In the full report: all 2 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
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Filed accounts and finances

Year to 31 January 2025Abridged accountsNot audited

Net assets

£23.2k

−50% from £46.3k

Employees (average)

2

No earlier figure to compare

Owed within a year

£92.3k

+65% from £56.1k

Net assets

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
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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 05343993. Figures are exactly as filed; nothing is estimated.

Key dates in its history

ND Trading’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2026

15 April 2026

  • Dilyana Gancheva Cholakova became a part-owner (25–50% of shares)

Companies House

2016

7 April 2016

  • Nikolay Manolov Kumchev became a part-owner (25–50% of shares)

Companies House

2015

14 August 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2005

27 January 2005

  • 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: 2
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Firms like ND Trading

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

In Chalfont St. Giles

Allen & Forey Cars LtdChalfont St. GilesAuthorisedCsg Motor Company LimitedChalfont St. GilesAuthorised

In the Hemel Hempstead (HP) postcode area

Autologic Diagnostics LimitedAylesburyAuthorisedA&m Cars South LtdHemel HempsteadAuthorisedAcar 2 Go LtdAylesburyAuthorisedAshridge Vehicles LimitedBerkhamstedAuthorised

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 ND Trading

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is ND Trading Ltd FCA authorised?
Yes, ND Trading Ltd (FRN 712313) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2015 and works as a car dealer. The FCA has placed no limits on its permissions.
What is ND Trading’s phone number and website?
The FCA register lists the phone number 01494 700483 and the website lovelycars.com for ND Trading. If you were given different contact details, use these to check with the firm before going any further.
Is ND Trading a scam or clone?
ND Trading 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 ND Trading?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how ND Trading handles your money, so check the specific product before you commit. You can also refer complaints about ND Trading to the Financial Ombudsman Service, free of charge.
Who owns ND Trading?
Companies House lists 2 people with significant control of ND Trading: Miss Dilyana Gancheva Cholakova (25–50% of shares) and Mr Nikolay Manolov Kumchev (25–50% of shares).
Who runs ND Trading?
Companies House lists 2 directors of ND Trading: Nikolay Manolov Kumchev and Dilyana Gancheva Cholakova.
How long has ND Trading been in business?
The company was formed on 27 January 2005, and has held its current FCA authorisation since August 2015.
What do ND Trading’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £23.2k (−50% from £46.3k).
Does ND Trading use any other names?
It trades as Lovelycars.com.

Sources and links

The full report on ND Trading Ltd

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