Pearl Finance Limited

Reference number: 976490

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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

    PEARL FINANCE LIMITED, 4th Floor, Ivere Street, London, W19 0DF, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode W19 0DF
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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
13806371
Company status
Active
Company type
Private limited company
Incorporated
17 December 2021 (4 years old)
Registered office
35 Ballards Lane, London, N3 1XW, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Howard Henry Crocker Director Dec 1962 17 Dec 2021 153 other companies
Paul Jacob Crocker Director Jan 1961 17 Dec 2021 131 other companies
Elan Tommy Crocker Director Apr 1997 11 Feb 2022 2 other companies
Joshua Joseph Crocker Director Nov 1994 11 Feb 2022 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
179
closed down
95
went insolvent
2

In the full report: all 179 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 109 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

£91.5m

−2.1% from £93.5m

Cash at bank

£14.4m

+98% from £7.30m

Employees (average)

11

+10% from 10

Owed within a year

£6.10m

−11% from £6.83m

Net assets

In the full report: all 4 years of accounts

  • Every year from 2022 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 13806371. 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

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

Key events (3) All events (9)

2022

11 July 2022

  • Registered with the FCA

FCA register

2021

17 December 2021

  • Incorporated at Companies House
  • Delph Group Holdings Limited took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (3 shown here)
  • Every director appointment and resignation: 6
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Get the full report on Pearl Finance

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

  • 179 other companies its directors have run, named
  • 1 background check on its contact details
  • 4 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Pearl Finance Limited FCA authorised?
Pearl Finance Limited (FRN 976490) 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 Pearl Finance a scam or clone?
Pearl Finance 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 Pearl Finance?
Money you hand to Pearl Finance 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 Pearl Finance?
Pearl Finance is owned by Delph Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 17 December 2021.
Who runs Pearl Finance?
Companies House lists 4 directors of Pearl Finance: Howard Henry Crocker, Paul Jacob Crocker, Elan Tommy Crocker and Joshua Joseph Crocker.
How long has Pearl Finance been in business?
The company was formed on 17 December 2021.
What do Pearl Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £91.5m (−2.1% from £93.5m) and cash at bank of £14.4m (+98% from £7.30m).

Sources and links

The full report on Pearl Finance Limited

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