Refresh Debt Services Ltd

Reference number: 674160

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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 refreshdebt.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 4175 2062 is
  • Who else gives the postcode BT34 3FN
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Other names (3)

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

  • Refresh Debt Advice Trading name
  • Secured Loan Solution Limited Former name
  • Council Tax Advisors Former 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 (2 permissions)
  • 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
NI055582
Company status
Active
Company type
Private limited company
Incorporated
14 June 2005 (21 years old)
Registered office
Milltown House, Milltown Industrial Estate,, Warrenpoint, County Down, BT34 3FN
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jennifer Mcgreevy Director Oct 1984 15 Jun 2005 2 other companies
Conor Mcgivern Director Mar 1987 26 Feb 2015 1 other company
Jennifer Mcgreevy Secretary Not published 1 Jan 2015 –

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
2
closed down
2
run together
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • 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 30 June 2025Micro-entity accountsNot audited

Net assets

£31.9k

+4.9% from £30.4k

Employees (average)

16

Same as 16

Owed within a year

£108k

+20% from £90.3k

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.

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

Accounts filed at Companies House for company NI055582. 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

Refresh Debt Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (18)

2017

12 May 2017

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

FCA register

10 April 2017

  • Changed its registered name from "Secured Loan Solution Limited"

FCA register

2016

6 April 2016

  • Conor Mc Givern became a part-owner (25–50% of shares)
  • Jennifer Mc Givern became a part-owner (25–50% of shares)

Companies House

2005

14 June 2005

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (6 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Refresh Debt Services

Other FCA-listed firms that share a director, phone number or address with Refresh Debt Services. 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 Refresh Debt Services

Other firms of the same type (debt advice or management), nearest first.

In the Belfast (BT) postcode area

Clanmil Housing AssociationBelfastAuthorisedHN Consultants LtdBelfastAuthorisedMindWise New VisionBelfastAuthorisedOmagh Independent Advice ServicesOmaghAuthorisedSolvendo LtdBelfastAuthorisedAdvice NIBelfastAuthorised

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 Refresh Debt Services

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Refresh Debt Services Ltd FCA authorised?
Yes, Refresh Debt Services Ltd (FRN 674160) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2017 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is Refresh Debt Services’ phone number and website?
The FCA register lists the phone number 028 4175 2062 and the website refreshdebt.co.uk for Refresh Debt Services. If you were given different contact details, use these to check with the firm before going any further.
Is Refresh Debt Services a scam or clone?
Refresh Debt Services 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 Refresh Debt Services?
It is permitted to hold and control client money, which it must keep separate from its own. Protection depends on which product you hold and how Refresh Debt Services handles your money, so check the specific product before you commit. You can also refer complaints about Refresh Debt Services to the Financial Ombudsman Service, free of charge.
Who owns Refresh Debt Services?
Companies House lists 2 people with significant control of Refresh Debt Services: Mr Conor Mc Givern (25–50% of shares) and Mrs Jennifer Mc Givern (25–50% of shares).
Who runs Refresh Debt Services?
Companies House lists 2 directors of Refresh Debt Services: Jennifer McGreevy and Conor McGivern.
How long has Refresh Debt Services been in business?
The company was formed on 14 June 2005, and has held its current FCA authorisation since May 2017.
What do Refresh Debt Services’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £31.9k (+4.9% from £30.4k).
Does Refresh Debt Services use any other names?
It trades as Refresh Debt Advice. It has previously used 2 other names: Secured Loan Solution Limited and Council Tax Advisors.

Sources and links

The full report on Refresh Debt Services Ltd

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