Sebago Limited

Reference number: 741496

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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 cashconverters.com first appeared online, and whether it can receive email
  • What kind of line 01206 762575 is
  • Who else gives the postcode CO1 1DN
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Other names (7)

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

  • CASH CONVERTERS Trading name
  • CASH CONVERTERS BRAINTREE Trading name
  • CASH CONVERTERS CHELMSFORD Trading name
  • CASH CONVERTERS COLCHESTER Trading name
  • CASH CONVERTERS HARLOW Trading name
  • PERSONAL FINANCE CENTRE Trading name
  • www.cashconverters.co.uk 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 (4 permissions)
  • Entering into high-cost short-term credit 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 in relation to high-cost short-term credit

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
02957251
Company status
Active
Company type
Private limited company
Incorporated
10 August 1994 (32 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Retail sale of other second-hand goods in stores (not incl. antiques) (SIC 47799)

Directors and company secretaries

Name Role Born Appointed Other companies
David Charles Kay Director Aug 1948 10 Aug 1994 None
Alastair Charles Kay Director Aug 1981 7 Jun 2010 None
David Charles Kay Secretary Not published 10 Aug 1994 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

−£5,678

Up £2,449 from −£8,127

Employees (average)

23

Same as 23

Owed within a year

£178k

−18% from £217k

Net assets are negative: on its last balance sheet the company owed £5,678 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
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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 02957251. 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

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

Key events (4) All events (17)

2016

6 October 2016

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

FCA register

10 August 2016

  • David Charles Kay became a part-owner (25–50% of shares)

Companies House

1994

10 August 1994

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms like Sebago

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

In Colchester

Credit Vibe Finance LimitedColchesterAuthorisedGareth Meirion DaviesColchesterAuthorisedMallard Leasing LimitedColchesterAuthorisedPaul James WilkinsonColchesterAuthorisedRaymond Finance LimitedColchesterAuthorisedFord Retail LimitedColchesterAuthorised

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 Sebago

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Sebago Limited FCA authorised?
Yes, Sebago Limited (FRN 741496) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Sebago’s phone number and website?
The FCA register lists the phone number 01206 762575 and the website cashconverters.com for Sebago. If you were given different contact details, use these to check with the firm before going any further.
Is Sebago a scam or clone?
Sebago 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 Sebago?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Sebago handles your money, so check the specific product before you commit. You can also refer complaints about Sebago to the Financial Ombudsman Service, free of charge.
Who owns Sebago?
Companies House lists one person with significant control of Sebago: Mr David Charles Kay (25–50% of shares).
Who runs Sebago?
Companies House lists 2 directors of Sebago: David Charles Kay and Alastair Charles Kay.
How long has Sebago been in business?
The company was formed on 10 August 1994, and has held its current FCA authorisation since October 2016.
What do Sebago’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£5,678 (up £2,449 from −£8,127).
Does Sebago use any other names?
It trades as CASH CONVERTERS, CASH CONVERTERS BRAINTREE, CASH CONVERTERS CHELMSFORD, CASH CONVERTERS COLCHESTER and CASH CONVERTERS HARLOW, and 2 more names.

Sources and links

The full report on Sebago Limited

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