Orchard Finance Limited

Reference number: 733663

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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, 1 thing worth a closer look

  • When orchardfundinggroupplc.com first appeared online, and whether it can receive email
  • What kind of line 01582 280140 is, and the 7 other firms that give it
  • Who else gives the postcode LU2 0FY
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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 (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
07074570
Company status
Active
Company type
Private limited company
Incorporated
12 November 2009 (16 years old)
Registered office
222 Armstrong Road, Luton, LU2 0FY, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Rabinder Singh Takhar Director Feb 1965 12 Nov 2009 29 other companies
Tatiana Korenkova Director Jan 1972 15 Jun 2016 10 other companies
Emmia Louise Stratford Director May 1982 20 Jul 2016 12 other companies
Liam Leo Mcshane Director Dec 1957 12 Apr 2024 7 other companies
Liam Leo Mcshane Secretary Not published 11 Nov 2016 –

Other companies run by these 4 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
43
closed down
22
went insolvent
4

In the full report: all 43 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The 4 that went into liquidation or administration
  • The 11 on the FCA register, including one no longer authorised
  • The 12 companies these 4 directors run together
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Filed accounts and finances

Year to 31 July 2022Full accountsAudited

Turnover

£167k

Up £167k from £0

Profit before tax

£124k

Up £124k from £0

Total equity

£107k

No earlier figure to compare

Cash at bank

£624k

No earlier figure to compare

Turnover and profit

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.

Accounts filed at Companies House for company 07074570. 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

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

Key events (6) All events (12)

2018

6 June 2018

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

FCA register

2016

13 November 2016

  • Orchard Funding Group PLC took control (75–100% of shares)
  • Rabinder Singh Takhar no longer has significant control

Companies House

12 November 2016

  • Rabinder Singh Takhar gained significant control

Companies House

2009

12 November 2009

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Orchard Finance

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

connected firms
9
share a director
8
share its phone number
7

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (8), the same phone number (7), the same postcode (9)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Orchard Finance

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

In Luton

Associated Premium Funding LimitedLutonAuthorisedBexhill UK LimitedLutonAuthorisedCambrian Funding LimitedLutonAuthorisedFirst Senior Finance LimitedLutonAuthorisedOakes Finance LimitedLutonAuthorisedOrchard Bond Finance PLCLutonAuthorised

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 Orchard Finance

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

  • 43 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 12 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Orchard Finance Limited FCA authorised?
Yes, Orchard Finance Limited (FRN 733663) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is Orchard Finance’s phone number and website?
The FCA register lists the phone number 01582 280140 and the website orchardfundinggroupplc.com for Orchard Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 7 other FCA firms.
Is Orchard Finance a scam or clone?
Orchard 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 Orchard Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Orchard Finance handles your money, so check the specific product before you commit. You can also refer complaints about Orchard Finance to the Financial Ombudsman Service, free of charge.
Who owns Orchard Finance?
Orchard Finance is owned by Orchard Funding Group PLC, which holds 75–100% of shares, since 13 November 2016. Before that, it was controlled by Mr Rabinder Singh Takhar.
Who runs Orchard Finance?
Companies House lists 4 directors of Orchard Finance: Rabinder Singh Takhar, Tatiana Korenkova, Emmia Louise Stratford and Liam Leo McShane.
How long has Orchard Finance been in business?
The company was formed on 12 November 2009, and has held its current FCA authorisation since June 2018.
What do Orchard Finance’s latest accounts show?
Its latest accounts, to 31 July 2022, show turnover of £167k (up £167k from £0) and profit before tax of £124k (up £124k from £0).

Sources and links

The full report on Orchard Finance Limited

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