Rural & Commercial Finance Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 9 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2017
Accounts filed up to 31 January 2026

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

01978 660360
Address

Unit 5, Wilkinson Court, Clywedog Road South, Wrexham Industrial Estate, Wrexham, Wrecsam, LL13 9AE, United Kingdom

In the full report: 2 background checks

What kind of line 01978 660360 is, and the other firm that gives it
Who else gives the postcode LL13 9AE

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 (4 permissions)

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: 10765316 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 11 May 2017 (9 years old)
Registered office: 5 Wilkinson Court Clywedog Road South, Wrexham Industrial Estate, Wrexham, LL13 9AE, Wales
Nature of business: Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Howie Glover	Director	Aug 1962	11 May 2017	6 other companies
Simon Mark Johnson	Director	Apr 1968	11 May 2017	None
Michael Latham	Director	Sep 1961	11 May 2017	None
Alexander Russell	Director	Oct 1961	11 May 2017	None

Other companies run by these 4 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: 6
closed down: 1
are FCA-registered: 2

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 on the FCA register
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 January 2026Full accountsNot audited

Net assets

£160k

+37% from £116k

Cash at bank

£133k

+156% from £52.1k

Owed within a year

£1.63m

−14% from £1.88m

Net assets

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

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 10765316. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Rural & Commercial Finance’s history from the FCA register and Companies House, newest first.

Key events (3) All events (14)

2017

21 October 2017

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

FCA register

11 May 2017

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: 8

Firms connected to Rural & Commercial Finance

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

connected firms: 3
share a director: 2
share its phone number: 1

In the full report: all 3 connected firms, named

How each is linked: shared directors (2), the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates

Firms like Rural & Commercial Finance

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

In Wrexham

Dbw Investments (10) LimitedWrexhamAuthorised Martin Rees JewellersWrexhamSee the register D S L Mobility LtdWrexhamAuthorised

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 Rural & Commercial Finance

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

6 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
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Rural & Commercial Finance Ltd FCA authorised?

Yes, Rural & Commercial Finance Ltd (FRN 788511) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2017 and works as a lender. The FCA has placed no limits on its permissions.

What is Rural & Commercial Finance’s phone number?

The FCA register lists the phone number 01978 660360 for Rural & Commercial Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Rural & Commercial Finance a scam or clone?

Rural & Commercial 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 Rural & Commercial Finance?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Rural & Commercial Finance handles your money, so check the specific product before you commit. You can also refer complaints about Rural & Commercial Finance to the Financial Ombudsman Service, free of charge.

Who runs Rural & Commercial Finance?

Companies House lists 4 directors of Rural & Commercial Finance: Andrew Howie Glover, Simon Mark Johnson, Michael Latham and Alexander Russell.

How long has Rural & Commercial Finance been in business?

The company was formed on 11 May 2017, and has held its current FCA authorisation since October 2017.

What do Rural & Commercial Finance’s latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of £160k (+37% from £116k) and cash at bank of £133k (+156% from £52.1k).