Paul's Cycles Limited

Reference number: 735004

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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 paulscycles.co.uk first appeared online, and whether it can receive email
  • What kind of line 01362 696276 is
  • Who else gives the postcode NR19 1HB
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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 (5 permissions)
  • Credit Broking
  • 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
03883525
Company status
Active
Company type
Private limited company
Incorporated
25 November 1999 (26 years old)
Registered office
Unit A 13 Yaxham Road, Dereham, Norfolk, NR19 1HB
Nature of business
  • Retail sale of sports goods, fishing gear, camping goods, boats and bicycles (SIC 47640)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Edward Colley Director Aug 1984 31 Mar 2017 34 other companies
Thomas Paul Thornley Director Apr 1982 6 Sep 2019 6 other companies
Jack Lewis Mott Kinnersley Director May 1993 14 Aug 2020 6 other companies

Other companies run by these 3 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
8
went insolvent
1

In the full report: all 43 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 3 on the FCA register
  • The 3 companies these 3 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 January 2026Full accountsAudited

Net assets

£2.77m

+33% from £2.08m

Cash at bank

£141k

−52% from £296k

Employees (average)

18

+13% from 16

Owed within a year

£1.39m

+34% from £1.04m

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.

Accounts filed at Companies House for company 03883525. 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

Paul's Cycles’s history from the FCA register and Companies House, newest first.

Key events (7) All events (16)

2017

1 April 2017

  • Mark Edward Colley gained significant control
  • Paul Robert Meachen gave up control

Companies House

31 March 2017

  • Board replaced: its only director left and 2 new directors took over

Companies House

2016

6 April 2016

  • Paul Robert Meachen took control (75–100% of shares)

Companies House

11 March 2016

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

FCA register

1999

25 November 1999

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Paul's Cycles

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

connected firms
3
share a director
2
share its postcode
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Paul's Cycles

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

In Dereham

Hurt W LimitedDerehamAuthorised

In the Norwich (NR) postcode area

Aviva Credit Services UK LimitedNorwichAuthorisedAlan Boswell Insurance Brokers LimitedNorwichAuthorisedCredo Capital Finance LimitedNorwichAuthorisedEastern Credit LimitedGreat YarmouthAuthorisedFinance Shop LimitedNorwichAuthorised

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 Paul's Cycles

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
  • 7 years of accounts, charted
  • All 16 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Paul's Cycles Limited FCA authorised?
Yes, Paul's Cycles Limited (FRN 735004) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Paul's Cycles’ phone number and website?
The FCA register lists the phone number 01362 696276 and the website paulscycles.co.uk for Paul's Cycles. If you were given different contact details, use these to check with the firm before going any further.
Is Paul's Cycles a scam or clone?
Paul's Cycles 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 Paul's Cycles?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Paul's Cycles handles your money, so check the specific product before you commit. You can also refer complaints about Paul's Cycles to the Financial Ombudsman Service, free of charge.
Who owns Paul's Cycles?
Companies House lists one person with significant control of Paul's Cycles: Mr Mark Edward Colley (significant influence or control). Before that, it was controlled by Mr Paul Robert Meachen.
Who runs Paul's Cycles?
Companies House lists 3 directors of Paul's Cycles: Mark Edward Colley, Thomas Paul Thornley and Jack Lewis Mott Kinnersley.
How long has Paul's Cycles been in business?
The company was formed on 25 November 1999, and has held its current FCA authorisation since March 2016.
What do Paul's Cycles’ latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £2.77m (+33% from £2.08m) and cash at bank of £141k (−52% from £296k).

Sources and links

The full report on Paul's Cycles Limited

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