Numero Group Limited: FCA regulated?

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.

Appointed for 1 year
Protected through the principal
No FCA actions
Active company since 2025

Responsible principal firm

Intelligent Lending Limited Reference number: 310069 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.
Numero Group Limited (FRN 1037660) is an AR of Intelligent Lending Limited (FRN 310069). When you use Numero Group's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Numero Group, 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.

Website

luvcars.com (opens in a new tab)
Phone number

0161 667 8000
Address

White Collar Factory, 1 Old Street Yard, London, EC1Y 2AS, United Kingdom

In the full report: 3 background checks

When luvcars.com first appeared online, and whether it can receive email
What kind of line 0161 667 8000 is
Who else gives the postcode EC1Y 2AS

Other names (23)

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

Blue Light Car Loans Trading name: A name it trades under now.
Luv Caravan Loans Trading name: A name it trades under now.
Luv Car Finder Trading name: A name it trades under now.
Luv Car Loans Trading name: A name it trades under now.
Luv Cars Trading name: A name it trades under now.
LUV Motorbike Loans Trading name: A name it trades under now.
Luv Motorhome Loans Trading name: A name it trades under now.
Numero Trading name: A name it trades under now.
Ocean Car Finance Trading name: A name it trades under now.
CarBuyBye Former trading name: A name it used to trade under.
Europa Car Credit Former trading name: A name it used to trade under.
Key Worker Car Loans Former trading name: A name it used to trade under.
LMF Former trading name: A name it used to trade under.
LUV AF Former trading name: A name it used to trade under.
LUV Asset Former trading name: A name it used to trade under.
LUV Asset Finance Former trading name: A name it used to trade under.
Luv Financial Solutions Former trading name: A name it used to trade under.
Luv FS Former trading name: A name it used to trade under.
LUV Group Former trading name: A name it used to trade under.
Luv Lady Car Loans Former trading name: A name it used to trade under.
LUV Motor Finance Former trading name: A name it used to trade under.
LUV Superbikes Former trading name: A name it used to trade under.
Nationwide Vehicle Credit Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Intelligent Lending 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: 16464424 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 May 2025 (1 year old)
Registered office: White Collar Factory, 1 Old Street Yard, London, EC1Y 8AF, United Kingdom
Nature of business: Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Simon David Kay	Director	Apr 1968	21 May 2025	13 other companies
Stephen Andrew Stylianou	Director	May 1969	21 May 2025	13 other companies
Simon David Kay	Secretary	Not published	18 Mar 2026	–

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: 15
closed down: 2
are FCA-registered: 2

In the full report: all 15 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 2 on the FCA register, including one no longer authorised
The 11 companies these 2 directors run together

Key dates in its history

Numero Group’s history from the FCA register and Companies House, newest first.

Key events (3) All events (42)

2025

29 July 2025

Became an appointed representative

FCA register

21 May 2025

Incorporated at Companies House
Intelligent Lending Group Ltd took control (75–100% of shares)

Companies House

In the full report: all 42 events

All 42 events in its history (3 shown here)
Every director appointment and resignation: 2

Firms connected to Numero Group

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

connected firms: 2
share a director: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (2), the same postcode (2)
Who links each one: the named directors, with dates

Firms like Numero Group

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Purplebricks Mortgages LimitedLondonAppointed representative David RounsfellLondonAppointed representative Ema Private Finance LimitedLondonAppointed representative Harris ZubairLondonAppointed representative Heather MaCaskillLondonAppointed representative Lawrence BolarinwaLondonAppointed 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 Numero Group

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

15 other companies its directors have run, named
3 background checks on its contact details
All 42 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Numero Group Limited FCA authorised?

Numero Group Limited (FRN 1037660) 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 Numero Group?

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. Numero Group Limited (FRN 1037660) is an AR of Intelligent Lending Limited (FRN 310069). When you use Numero Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Numero Group, 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 Numero Group’s phone number and website?

The FCA register lists the phone number 0161 667 8000 and the website luvcars.com for Numero Group. If you were given different contact details, use these to check with the firm before going any further.

Is Numero Group a scam or clone?

Numero Group 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 Numero Group?

Protection works through Intelligent Lending Limited, the principal firm responsible for Numero Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Numero Group?

Numero Group is owned by Intelligent Lending Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 21 May 2025.

Who runs Numero Group?

Companies House lists 2 directors of Numero Group: Simon David Kay and Stephen Andrew Stylianou.

How long has Numero Group been in business?

The company was formed on 21 May 2025.

Does Numero Group use any other names?

It trades as Blue Light Car Loans, Luv Caravan Loans, Luv Car Finder, Luv Car Loans and Luv Cars, and 4 more names. It has previously used 14 other names, including CarBuyBye, Europa Car Credit and Key Worker Car Loans.