Real Finance Ltd

Reference number: 809389

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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.

In the full report: 3 background checks

  • When realfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01246 948751 is
  • Who else gives the postcode S43 4PZ
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Other names (1)

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

  • A2O FINANCE LIMITED Former 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
09614441
Company status
Active
Company type
Private limited company
Incorporated
29 May 2015 (11 years old)
Registered office
21b Napier Court, Gander Lane, Chesterfield, Derbyshire, S43 4PZ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
George Eleftheriou Director Nov 1967 27 Feb 2017 10 other companies
Kenneth Robert Herd Director Aug 1959 6 Sep 2018 6 other companies

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
16
closed down
3
went insolvent
3

In the full report: all 16 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 3 that went into liquidation or administration
  • The 4 on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£341k

+35% from £252k

Cash at bank

£365k

+19% from £307k

Employees (average)

5

Same as 5

Owed within a year

£61.3k

−12% from £69.6k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 09614441. 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

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

Key events (11) All events (21)

2020

19 March 2020

  • George Eleftheriou stopped being a part-owner
  • Rina Eleftheriou stopped being a part-owner

Companies House

7 January 2020

  • Changed its registered name from "A2O FINANCE LIMITED"

FCA register

2018

18 December 2018

  • Gel Investment Limited took control (75–100% of shares)

Companies House

2 November 2018

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

FCA register

23 February 2018

  • George Eleftheriou became a part-owner (25–50% of shares)
  • Jason Sam Oakley stopped being a part-owner

Companies House

2017

28 February 2017

  • Rina Eleftheriou became a part-owner (25–50% of shares)

Companies House

2016

1 June 2016

  • Jason Sam Oakley became a part-owner (25–50% of shares)

Companies House

2015

29 May 2015

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (11 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Real Finance

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

connected firms
4
share its postcode
4
past links
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Real Finance

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

In Chesterfield

John Edward James, Christopher John James, & Mark Timothy James t/a J E James CyclesChesterfieldAuthorisedBalanced Funding Solutions LimitedChesterfieldAuthorisedDavid MadgwickChesterfieldAuthorisedJames CarlinChesterfieldAuthorisedJames Mark RedfordChesterfieldAuthorisedMark DuesburyChesterfieldAuthorised

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 Real Finance

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

  • 16 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 21 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Real Finance Ltd FCA authorised?
Yes, Real Finance Ltd (FRN 809389) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2018 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Real Finance’s phone number and website?
The FCA register lists the phone number 01246 948751 and the website realfinance.co.uk for Real Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Real Finance a scam or clone?
Real Finance 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 Real Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Real Finance handles your money, so check the specific product before you commit. You can also refer complaints about Real Finance to the Financial Ombudsman Service, free of charge.
Who owns Real Finance?
Real Finance is owned by Gel Investment Limited, which holds 75–100% of shares and 75–100% of votes, since 18 December 2018. Before that, it was controlled by Mr Jason Sam Oakley, Mr George Eleftheriou and Mrs Rina Eleftheriou.
Who runs Real Finance?
Companies House lists 2 directors of Real Finance: George Eleftheriou and Kenneth Robert Herd.
How long has Real Finance been in business?
The company was formed on 29 May 2015, and has held its current FCA authorisation since November 2018.
What do Real Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £341k (+35% from £252k) and cash at bank of £365k (+19% from £307k).
Does Real Finance use any other names?
It has previously used the name A2O FINANCE LIMITED.

Sources and links

The full report on Real Finance Ltd

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