Panacea Business Systems Limited

Reference number: 719238

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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 panaceabiz.com first appeared online, and whether it can receive email
  • What kind of line 01432 360229 is
  • Who else gives the postcode HR2 6JT
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FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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 (7 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into Regulated Consumer Hire Agreements as owner
  • 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)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire 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
08741722
Company status
Active
Company type
Private limited company
Incorporated
21 October 2013 (13 years old)
Registered office
8 College Street, Gloucester, GL1 2NE, England
Nature of business
  • Other retail sale not in stores, stalls or markets (SIC 47990)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Leonard Wass Director Jul 1978 21 Oct 2013 None
James John Fletcher Director Jan 1976 31 Oct 2014 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£1,281

Up £6,054 from −£4,773

Cash at bank

£0

−100% from £7,212

Employees (average)

4

+33% from 3

Owed within a year

£87.2k

No earlier figure to compare

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 08741722. 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

Panacea Business Systems’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2016

2 May 2016

  • James John Fletcher stopped being a part-owner

Companies House

8 April 2016

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

FCA register

6 April 2016

  • James John Fletcher became a part-owner (25–50% of shares)

Companies House

2013

21 October 2013

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Panacea Business Systems

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Panacea Business Systems

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

In Hereford

Kidwells Legal Loans LimitedHerefordAuthorisedRonald John PottsHerefordSee the registerBurghill Valley Golf Club LimitedHerefordAuthorisedMagenta Technology LimitedHerefordAuthorisedMills Mobility LtdHerefordAuthorisedRSS Hereford LtdHerefordAuthorised

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 Panacea Business Systems

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 9 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Panacea Business Systems Limited FCA authorised?
Yes, Panacea Business Systems Limited (FRN 719238) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Panacea Business Systems’ phone number and website?
The FCA register lists the phone number 01432 360229 and the website panaceabiz.com for Panacea Business Systems. If you were given different contact details, use these to check with the firm before going any further.
Is Panacea Business Systems a scam or clone?
Panacea Business Systems 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 Panacea Business Systems?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Panacea Business Systems handles your money, so check the specific product before you commit. You can also refer complaints about Panacea Business Systems to the Financial Ombudsman Service, free of charge.
Who owns Panacea Business Systems?
Companies House lists one person with significant control of Panacea Business Systems: James John Fletcher (25–50% of shares). Before that, it was controlled by Mr James John Fletcher.
Who runs Panacea Business Systems?
Companies House lists 2 directors of Panacea Business Systems: Jonathan Leonard Wass and James John Fletcher.
How long has Panacea Business Systems been in business?
The company was formed on 21 October 2013, and has held its current FCA authorisation since April 2016.
What do Panacea Business Systems’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £1,281 (up £6,054 from −£4,773) and cash at bank of £0 (−100% from £7,212).

Sources and links

The full report on Panacea Business Systems Limited

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