Phrasers Limited

Reference number: 676003

Instant download

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 phrasers.co.uk first appeared online, and whether it can receive email
  • What kind of line 07805 045752 is
  • Who else gives the postcode PH3 1NB
Instant PDF download

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 (7 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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
SC312016
Company status
Active
Company type
Private limited company
Incorporated
15 November 2006 (19 years old)
Registered office
Easter Cottage, Orchil Road, Auchterarder, Perthshire, PH3 1NB
Nature of business
  • Sale of new cars and light motor vehicles (SIC 45111)
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Renting and leasing of cars and light motor vehicles (SIC 77110)

Directors and company secretaries

Name Role Born Appointed Other companies
Rory Iain Fraser Director Oct 1964 15 Dec 2006 1 other company
Judith Anne Fraser (Dr) Secretary Not published 15 Dec 2006 –

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 30 April 2026Full accountsNot audited

Net assets

£491k

+8.5% from £453k

Cash at bank

£367k

+29% from £285k

Owed within a year

£204k

No earlier figure to compare

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
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 SC312016. 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

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

Key events (4) All events (9)

2016

6 April 2016

  • Rory Iain Fraser took control (75–100% of shares)

Companies House

2015

21 July 2015

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

FCA register

2006

15 November 2006

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 3
Instant PDF download

Firms like Phrasers

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

Elsewhere in the UK

Neos Ventures LimitedIsleworthAuthorisedKlarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedCaterpillar Financial Services (UK) LimitedSolihullAuthorisedUniversity Court of the University of GlasgowGlasgowAuthorisedShop Direct Finance Company LimitedLiverpoolAuthorised

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 Phrasers

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Phrasers Limited FCA authorised?
Yes, Phrasers Limited (FRN 676003) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Phrasers’ phone number and website?
The FCA register lists the phone number 07805 045752 and the website phrasers.co.uk for Phrasers. If you were given different contact details, use these to check with the firm before going any further.
Is Phrasers a scam or clone?
Phrasers 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 Phrasers?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Phrasers handles your money, so check the specific product before you commit. You can also refer complaints about Phrasers to the Financial Ombudsman Service, free of charge.
Who owns Phrasers?
Companies House lists one person with significant control of Phrasers: Mr Rory Iain Fraser (75–100% of shares).
Who runs Phrasers?
Companies House lists one director of Phrasers: Rory Iain Fraser.
How long has Phrasers been in business?
The company was formed on 15 November 2006, and has held its current FCA authorisation since July 2015.
What do Phrasers’ latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £491k (+8.5% from £453k) and cash at bank of £367k (+29% from £285k).

Sources and links

The full report on Phrasers Limited

£19.99 · Instant PDF download

Loading secure checkout…