Peniche Limited

Reference number: 960380

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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

    156 Chester Road, Hazel Grove, Stockport, Greater Manchester, SK7 6HE, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode SK7 6HE
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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
06391712
Company status
Active
Company type
Private limited company
Incorporated
5 October 2007 (19 years old)
Registered office
Greta House 156 Chester Road, Hazel Grove, Stockport, Cheshire, SK7 6HE
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Robert Marsh Director Mar 1961 1 Jul 2008 26 other companies
Julie Margaret Marsh Director Oct 1960 9 Oct 2019 1 other company
Julie Margaret Marsh Secretary Not published 30 Sep 2011 –

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 companies
26
closed down
16
went insolvent
1

In the full report: all 26 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 4 on the FCA register
  • The 1 company these 2 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

£645k

+8.9% from £592k

Cash at bank

£104k

+84% from £56.1k

Employees (average)

2

Same as 2

Owed within a year

£1.46m

<1% from £1.45m

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £120k turnover and £1,651 profit, for the year to 31 December 2019.

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.

Accounts filed at Companies House for company 06391712. 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

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

Key events (3) All events (11)

2021

3 November 2021

  • Registered with the FCA

FCA register

2016

1 October 2016

  • Steven Robert Marsh took control (75–100% of shares)

Companies House

2007

5 October 2007

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (3 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Peniche

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

connected firms
3
share a director
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Get the full report on Peniche

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

  • 26 other companies its directors have run, named
  • 1 background check on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Peniche Limited FCA authorised?
Peniche Limited (FRN 960380) 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 Peniche a scam or clone?
Peniche 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 Peniche?
Money you hand to Peniche 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 Peniche?
Companies House lists one person with significant control of Peniche: Mr Steven Robert Marsh (75–100% of shares).
Who runs Peniche?
Companies House lists 2 directors of Peniche: Steven Robert Marsh and Julie Margaret Marsh.
How long has Peniche been in business?
The company was formed on 5 October 2007.
What do Peniche’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £645k (+8.9% from £592k) and cash at bank of £104k (+84% from £56.1k).

Sources and links

The full report on Peniche Limited

£19.99 · Instant PDF download

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