P F N Finance Limited

Reference number: 728912

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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 pfnfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07802 498722 is
  • Who else gives the postcode RG22 4UY
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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
  • Debt Adjusting
  • Debt-counselling

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
04797952
Company status
Active
Company type
Private limited company
Incorporated
13 June 2003 (23 years old)
Registered office
4 Cyprus Road, Hatch Warren, Basingstoke, Hampshire, RG22 4UY, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Odette Delphine Pauline France Director Feb 1964 4 Jul 2003 None
Michael James Nears Director Jul 1958 1 Jan 2013 None
Michael James Nears Secretary Not published 9 Jan 2007 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£42.4k

−20% from £53.3k

Cash at bank

£49.9k

−25% from £66.2k

Employees (average)

2

Same as 2

Owed within a year

£8,188

−42% from £14.1k

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 04797952. 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

P F N Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

9 May 2016

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

FCA register

6 April 2016

  • Michael James Nears took control (75–100% of shares)

Companies House

2003

13 June 2003

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like P F N Finance

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

In Basingstoke

Milad ShadroohBasingstokeAuthorisedPeter Rushforth, Colin Woodhouse & Martin StreetBasingstokeAuthorisedJoint Finance Solutions LimitedBasingstokeAppointed representativeQualitasse LimitedBasingstokeAuthorisedRS Agri LtdBasingstokeAuthorisedAutomobile Association Developments LimitedBasingstokeAppointed 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 P F N 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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is P F N Finance Limited FCA authorised?
Yes, P F N Finance Limited (FRN 728912) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is P F N Finance’s phone number and website?
The FCA register lists the phone number 07802 498722 and the website pfnfinance.co.uk for P F N Finance. If you were given different contact details, use these to check with the firm before going any further.
Is P F N Finance a scam or clone?
P F N 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 P F N Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how P F N Finance handles your money, so check the specific product before you commit. You can also refer complaints about P F N Finance to the Financial Ombudsman Service, free of charge.
Who owns P F N Finance?
Companies House lists one person with significant control of P F N Finance: Mr Michael James Nears (75–100% of shares).
Who runs P F N Finance?
Companies House lists 2 directors of P F N Finance: Odette Delphine Pauline France and Michael James Nears.
How long has P F N Finance been in business?
The company was formed on 13 June 2003, and has held its current FCA authorisation since May 2016.
What do P F N Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £42.4k (−20% from £53.3k) and cash at bank of £49.9k (−25% from £66.2k).

Sources and links

The full report on P F N Finance Limited

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