North Essex Finance Limited

Reference number: 719627

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Sceptre Finance Limited Reference number: 673142 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • North Essex Finance Limited (FRN 719627) introduces customers to Sceptre Finance Limited (FRN 673142). Any regulated advice or arranging is done by the principal, not North Essex Finance.
  • Example: if North Essex Finance refers you to a financial adviser, the advice should come from the principal firm, not from North Essex Finance itself.
  • 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.

  • No website on the FCA register

  • Phone number

    01702 337882

  • Address

    Flat 60, Audley Court, 1 Forge Way, Southend-on-Sea, Essex, SS1 2ZS, United Kingdom

In the full report: 2 background checks

  • What kind of line 01702 337882 is
  • Who else gives the postcode SS1 2ZS
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sceptre 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
04532273
Company status
Active
Company type
Private limited company
Incorporated
11 September 2002 (24 years old)
Registered office
Cumberland House, 24-28 Baxter Avenue, Southend-On-Sea, Essex, SS2 6HZ
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian David Bridges Director Mar 1963 10 Oct 2002 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£13.5k

+97% from £6,881

Cash at bank

£21.0k

+98% from £10.6k

Employees (average)

1

Same as 1

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 04532273. 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

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

2016

6 April 2016

  • Ian David Bridges took control (75–100% of shares)

Companies House

2015

8 October 2015

  • Became an introducer appointed representative

FCA register

2002

10 October 2002

  • Ian David Bridges appointed as a director

Companies House

11 September 2002

  • Incorporated at Companies House

Companies House

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

Firms like North Essex Finance

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

In Southend-on-Sea

Gavin OsbornSouthend-On-SeaAppointed representativeSjb Commercial Consulting LimitedSouthend-On-SeaAppointed representativeThorpe Hall School TrustSouthend-On-SeaAppointed representativeAndrew Hutchison and Clive HutchisonSouthend-On-SeaAuthorisedEssex Finance LimitedSouthend-on-SeaAuthorisedJon TidburySouthend-on-SeaAuthorised

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 North Essex Finance

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is North Essex Finance Limited FCA authorised?
North Essex Finance Limited (FRN 719627) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for North Essex Finance?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. North Essex Finance Limited (FRN 719627) introduces customers to Sceptre Finance Limited (FRN 673142). Any regulated advice or arranging is done by the principal, not North Essex Finance. Example: if North Essex Finance refers you to a financial adviser, the advice should come from the principal firm, not from North Essex Finance itself. 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 North Essex Finance’s phone number?
The FCA register lists the phone number 01702 337882 for North Essex Finance. If you were given different contact details, use these to check with the firm before going any further.
Is North Essex Finance a scam or clone?
North Essex 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 North Essex Finance?
Protection works through Sceptre Finance Limited, the principal firm responsible for North Essex Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns North Essex Finance?
Companies House lists one person with significant control of North Essex Finance: Mr Ian David Bridges (75–100% of shares).
Who runs North Essex Finance?
Companies House lists one director of North Essex Finance: Ian David Bridges.
How long has North Essex Finance been in business?
The company was formed on 11 September 2002.
What do North Essex Finance’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £13.5k (+97% from £6,881) and cash at bank of £21.0k (+98% from £10.6k).

Sources and links

The full report on North Essex Finance Limited

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