Panacea Finance Solutions Limited

Reference number: 1028618

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

  • No phone number on the FCA register

  • Address

    Florence House, Lower High Street, Waddington, Lincoln, LN5 9QA, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode LN5 9QA
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
08666729
Company status
Active
Company type
Private limited company
Incorporated
28 August 2013 (13 years old)
Registered office
Florence House Lower High Street, Waddington, Lincoln, Lincolnshire, LN5 9QA, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Carl Fletcher Director May 1962 28 Aug 2013 7 other companies
John Ralph Williams Director Oct 1952 28 Aug 2013 6 other companies
Stuart Daniel Williams Director Jan 1983 28 Aug 2013 7 other companies
John Henry Wilson Director Dec 1963 28 Aug 2013 6 other companies

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
18
closed down
13
is FCA-registered
1

In the full report: all 18 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 7 companies these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£2.58m

+9.4% from £2.36m

Cash at bank

£490k

−17% from £591k

Employees (average)

7

Same as 7

Owed within a year

£11.8m

+31% from £9.00m

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 08666729. 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 Finance Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2025

9 April 2025

  • Registered with the FCA

FCA register

2016

1 July 2016

  • John Henry Wilson gained significant control
  • John Ralph Williams gained significant control
  • Steven Carl Fletcher gained significant control
  • Stuart Daniel Williams gained significant control

Companies House

2013

28 August 2013

  • 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: 6
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Firms connected to Panacea Finance Solutions

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Get the full report on Panacea Finance Solutions

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

  • 18 other companies its directors have run, named
  • 1 background check on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Panacea Finance Solutions Limited FCA authorised?
Panacea Finance Solutions Limited (FRN 1028618) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is Panacea Finance Solutions a scam or clone?
Panacea Finance Solutions is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Panacea Finance Solutions?
Money you hand to Panacea Finance Solutions is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Panacea Finance Solutions?
Companies House lists 4 people with significant control of Panacea Finance Solutions: Mr Steven Carl Fletcher (significant influence or control), Mr John Ralph Williams (significant influence or control), Mr John Henry Wilson (significant influence or control) and Mr Stuart Daniel Williams (significant influence or control).
Who runs Panacea Finance Solutions?
Companies House lists 4 directors of Panacea Finance Solutions: Steven Carl Fletcher, John Ralph Williams, Stuart Daniel Williams and John Henry Wilson.
How long has Panacea Finance Solutions been in business?
The company was formed on 28 August 2013.
What do Panacea Finance Solutions’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £2.58m (+9.4% from £2.36m) and cash at bank of £490k (−17% from £591k).

Sources and links

The full report on Panacea Finance Solutions Limited

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