Peak Cashflow Ltd

Reference number: 577857

Instant download

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.

In the full report: 3 background checks

  • When peakcashflow.co.uk first appeared online, and whether it can receive email
  • What kind of line 01625 669364 is
  • Who else gives the postcode SK10 2XA
Instant PDF download

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 name
PEAK CASHFLOW LIMITED
Company number
05014392
Company status
Active
Company type
Private limited company
Incorporated
13 January 2004 (22 years old)
Registered office
Fernbank House Springwood Way, Tytherington Business Park, Macclesfield, SK10 2XA, England
Nature of business
  • Factoring (SIC 64992)

Directors and company secretaries

Name Role Born Appointed Other companies
Peter Stanton Director May 1970 26 Feb 2004 4 other companies
James Small Director Mar 1960 31 Jan 2007 4 other companies
Nicholas Phillip Dunn Director Feb 1988 29 Oct 2024 1 other company
Audrey Jack Director Sep 1968 29 Oct 2024 1 other company
James Small Secretary Not published 31 Jan 2007 4 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
7
closed down
2
is FCA-registered
1

In the full report: all 7 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 3 companies these 4 directors run together
  • All 6 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£2.22m

+9.6% from £2.02m

Cash at bank

£395k

−31% from £569k

Owed within a year

£15.8m

−18% from £19.4m

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
Instant PDF download
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 05014392. 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

Peak Cashflow’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2024

29 October 2024

  • James Small stopped being a part-owner
  • Peter Stanton stopped being a part-owner
  • The Peak Cashflow Eot Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • James Small became a part-owner (25–50% of shares)
  • Peter Stanton became a part-owner (25–50% of shares)

Companies House

2012

4 May 2012

  • Registered with the FCA

FCA register

2004

13 January 2004

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 6
Instant PDF download

Firms connected to Peak Cashflow

Other FCA-listed firms that share a director, phone number or address with Peak Cashflow. 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
Instant PDF download

Get the full report on Peak Cashflow

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Peak Cashflow Ltd FCA authorised?
Peak Cashflow Ltd (FRN 577857) 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.
What is Peak Cashflow’s phone number and website?
The FCA register lists the phone number 01625 669364 and the website peakcashflow.co.uk for Peak Cashflow. If you were given different contact details, use these to check with the firm before going any further.
Is Peak Cashflow a scam or clone?
Peak Cashflow 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 Peak Cashflow?
Money you hand to Peak Cashflow 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 Peak Cashflow?
Peak Cashflow is owned by The Peak Cashflow Eot Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 October 2024. Before that, it was controlled by Mr Peter Stanton and Mr James Small.
Who runs Peak Cashflow?
Companies House lists 4 directors of Peak Cashflow: Peter Stanton, James Small, Nicholas Phillip Dunn and Audrey Jack.
How long has Peak Cashflow been in business?
The company was formed on 13 January 2004.
What do Peak Cashflow’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £2.22m (+9.6% from £2.02m) and cash at bank of £395k (−31% from £569k).

Sources and links

The full report on Peak Cashflow Ltd

£19.99 · Instant PDF download

Loading secure checkout…