Pilvale Limited

Reference number: 707109

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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.

  • No website on the FCA register

  • Phone number

    01562 883130

  • Address

    Pilvale Ltd, Davies House Business Centre, 4 Lowndes Road, Stourbridge, Dudley, DY8 3SS, United Kingdom

In the full report: 2 background checks

  • What kind of line 01562 883130 is
  • Who else gives the postcode DY8 3SS
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Fernhill Finance Trading name
  • Haybridge Finance Trading name

FCA permissions and consumer protection

  • Lend or arrange credit 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 a regulated home credit loan agreement as lender
  • 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 lender's rights and duties under a regulated home credit loan 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
01284214
Company status
Active
Company type
Private limited company
Incorporated
1 November 1976 (49 years old)
Registered office
Davies House, 4 Lowndes Road, Stourbridge, West Midlands, DY8 3SS, England
Nature of business
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
James Coleman Bell Director Jan 1946 7 Mar 1996 2 other companies
Philippa Sidney Isabel Bell Director May 1945 2 May 2011 2 other companies
Patricia May Scott Director Jun 1936 Not published 1 other company
Alison May Webb Secretary Not published 2 Feb 1998 –

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
3
still active
3
run together
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Total equity

£390k

<1% from £388k

Cash at bank

£84.9k

+3.8% from £81.8k

Employees (average)

10

−9.1% from 11

Owed within a year

£43.3k

−41% from £72.8k

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 01284214. 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

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

Key events (8) All events (14)

2023

23 October 2023

  • James Coleman Bell stopped being a part-owner
  • Patricia May Scott stopped being the majority owner
  • Scott & Bell Ltd took control (75–100% of shares)

Companies House

2016

6 June 2016

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

FCA register

6 April 2016

  • James Coleman Bell became a part-owner (25–50% of shares)
  • Patricia May Scott became the majority owner (50–75% of shares)

Companies House

1976

1 November 1976

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (8 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Pilvale

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Pilvale

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

In Stourbridge

Crown Financial ManagementStourbridgeAuthorisedEnville Golf Club Limited (The)StourbridgeAuthorisedNewton D LimitedStourbridgeAuthorised

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 Pilvale

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pilvale Limited FCA authorised?
Yes, Pilvale Limited (FRN 707109) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Pilvale’s phone number?
The FCA register lists the phone number 01562 883130 for Pilvale. If you were given different contact details, use these to check with the firm before going any further.
Is Pilvale a scam or clone?
Pilvale 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 Pilvale?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Pilvale handles your money, so check the specific product before you commit. You can also refer complaints about Pilvale to the Financial Ombudsman Service, free of charge.
Who owns Pilvale?
Pilvale is owned by Scott & Bell Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 23 October 2023. Before that, it was controlled by Mrs Patricia May Scott and Mr James Coleman Bell.
Who runs Pilvale?
Companies House lists 3 directors of Pilvale: James Coleman Bell, Philippa Sidney Isabel Bell and Patricia May Scott.
How long has Pilvale been in business?
The company was formed on 1 November 1976, and has held its current FCA authorisation since June 2016.
What do Pilvale’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £390k (<1% from £388k) and cash at bank of £84.9k (+3.8% from £81.8k).
Does Pilvale use any other names?
It trades as Fernhill Finance and Haybridge Finance.

Sources and links

The full report on Pilvale Limited

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