New Horizons Finance Limited

Reference number: 834535

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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

FLUX FUNDING LIMITED Reference number: 806333 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.
  • New Horizons Finance Limited (FRN 834535) is an AR of FLUX FUNDING LIMITED (FRN 806333). When you use New Horizons Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from New Horizons 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 newhorizons.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 030 6688 is
  • Who else gives the postcode W4 5YA
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Other names (4)

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

  • new horizons Trading name
  • new horizons loans Trading name
  • The Money Shop Trading name
  • www.themoneyshop.com Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Flux Funding 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
11757330
Company status
Active
Company type
Private limited company
Incorporated
9 January 2019 (7 years old)
Registered office
Building 3 566 Chiswick High Road, Chiswick Park, London, W4 5YA, United Kingdom
Nature of business
  • Public relations and communications activities (SIC 70210)

Directors and company secretaries

Name Role Born Appointed Other companies
James Micheal Clayton Director Apr 1980 9 Jan 2019 5 other companies

Other companies run by its director

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
5
closed down
4
still active
1

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits 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 2026Small company accountsNot audited

Net assets

−£6,956

−135% from £19.8k

Cash at bank

£439

−100% from £89.5k

Employees (average)

1

Same as 1

Net assets are negative: on its last balance sheet the company owed £6,956 more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 11757330. 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

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

Key events (3) All events (8)

2019

26 February 2019

  • Became an appointed representative

FCA register

9 January 2019

  • Incorporated at Companies House
  • James Micheal Clayton took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms connected to New Horizons Finance

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like New Horizons Finance

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

In London

SME Asset Finance LimitedLondonAppointed representativeSuper Payments LtdLondonAppointed representativeNational Education UnionLondonAppointed representativeReed Learning LimitedLondonAppointed representativeRoyal Free London NHS Foundation TrustLondonAppointed representativeClickMechanic LtdLondonAppointed representative

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 New Horizons Finance

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is New Horizons Finance Limited FCA authorised?
New Horizons Finance Limited (FRN 834535) 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 New Horizons 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. New Horizons Finance Limited (FRN 834535) is an AR of FLUX FUNDING LIMITED (FRN 806333). When you use New Horizons Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from New Horizons 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 New Horizons Finance’s phone number and website?
The FCA register lists the phone number 0800 030 6688 and the website newhorizons.co.uk for New Horizons Finance. If you were given different contact details, use these to check with the firm before going any further.
Is New Horizons Finance a scam or clone?
New Horizons 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 New Horizons Finance?
Protection works through Flux Funding Limited, the principal firm responsible for New Horizons Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns New Horizons Finance?
Companies House lists one person with significant control of New Horizons Finance: Mr James Micheal Clayton (75–100% of shares).
Who runs New Horizons Finance?
Companies House lists one director of New Horizons Finance: James Micheal Clayton.
How long has New Horizons Finance been in business?
The company was formed on 9 January 2019.
What do New Horizons Finance’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of −£6,956 (−135% from £19.8k) and cash at bank of £439 (−100% from £89.5k).
Does New Horizons Finance use any other names?
It trades as new horizons, new horizons loans, The Money Shop and www.themoneyshop.com.

Sources and links

The full report on New Horizons Finance Limited

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