Reparo Finance Limited: FCA regulated?

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.

Registered for 12 years
No FCA actions
Active company since 2014
Accounts filed up to 30 September 2025
On its latest accounts it owed £1.31m more than it owned

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

c/o 28 Eaton Drive, Matrix Office Park, Buckshaw Village, Chorley, PR7 7NA, United Kingdom

In the full report: 1 background check

Who else gives the postcode PR7 7NA

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: 09030965 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 May 2014 (12 years old)
Registered office: 28 Eaton Avenue Matrix Office Park, Buckshaw Village, Chorley, Lancashire, PR7 7NA
Nature of business: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Richard William Traynor	Director	Nov 1959	8 May 2014	56 other companies
Clare Louise Kenyon	Director	Apr 1967	31 Jul 2021	3 other companies
Mark Stephen Halstead	Director	Sep 1968	31 Jul 2026	6 other companies

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: 56
closed down: 33
are FCA-registered: 3

In the full report: all 56 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 3 on the FCA register
The 8 companies these 3 directors run together
All 7 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

−£1.31m

Down £250k from −£1.06m

Cash at bank

£50.1k

+46% from £34.2k

Employees (average)

6

−25% from 8

Owed within a year

£3.17m

−12% from £3.58m

Net assets are negative: on its last balance sheet the company owed £1.31m more than it owned.

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

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 09030965. 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

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

Key events (3) All events (14)

2016

6 April 2016

Reparo Fast Track Finance Group Limited took control (75–100% of shares)

Companies House

2014

25 June 2014

Registered with the FCA

FCA register

8 May 2014

Incorporated at Companies House

Companies House

In the full report: all 14 events

All 14 events in its history (3 shown here)
Every director appointment and resignation: 11

Firms connected to Reparo Finance

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

connected firm: 1
share a director: 1
past links: 2

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
2 past links through former directors

Get the full report on Reparo Finance

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

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

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Reparo Finance Limited FCA authorised?

Reparo Finance Limited (FRN 624005) 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 Reparo Finance a scam or clone?

Reparo Finance 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 Reparo Finance?

Money you hand to Reparo Finance 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 Reparo Finance?

Reparo Finance is owned by Reparo Fast Track Finance Group Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.

Who runs Reparo Finance?

Companies House lists 3 directors of Reparo Finance: Richard William Traynor, Clare Louise Kenyon and Mark Stephen Halstead.

How long has Reparo Finance been in business?

The company was formed on 8 May 2014.

What do Reparo Finance’s latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of −£1.31m (down £250k from −£1.06m) and cash at bank of £50.1k (+46% from £34.2k).