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 4 years
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 December 2025
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.
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No website on the FCA register
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No phone number on the FCA register
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Address
93 Commercial Street, Tredegar, Blaenau Gwent, NP22 3DN, United Kingdom
In the full report: 1 background check
- Who else gives the postcode NP22 3DN
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis 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
- 13946858 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 March 2022 (4 years old)
- Registered office
- 93 Commercial Street, Tredegar, NP22 3DN, Wales
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Harry James Phillips | Director | Apr 1991 | 1 Mar 2022 | 3 other companies |
| Alexander Marc Wilkins | Director | May 1992 | 1 Mar 2022 | 4 other companies |
| Robert William Hopkins | Director | Mar 1978 | 1 Dec 2024 | 1 other company |
| Jeffrey Ross Phillips | Director | Oct 1958 | 1 Dec 2024 | None |
| Alexander Marc Wilkins | Secretary | Not published | 1 Mar 2022 | – |
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
- 4
- still active
- 4
- are FCA-registered
- 2
In the full report: all 4 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
- The 3 companies these 4 directors run together
Filed accounts and finances
Net assets
£53.7k
No earlier figure to compare
Cash at bank
£7,058
Up £6,100 from £958
Employees (average)
0
Same as 0
Owed within a year
£2.25m
Up £2.23m from £15.6k
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2023 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 13946858. 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
Seeder Bridging Loans’s history from the FCA register and Companies House, newest first.
2024
24 October 2024
- Jeffrey Ross Phillips gave up control
- Phillips Family Investments Limited took control (75–100% of shares)
Companies House
2022
1 September 2022
- Registered with the FCA
FCA register
1 March 2022
- Incorporated at Companies House
- Jeffrey Ross Phillips took control (75–100% of votes)
Companies House
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 4
Firms connected to Seeder Bridging Loans
Other FCA-listed firms that share a director, phone number or address with Seeder Bridging Loans. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Get the full report on Seeder Bridging Loans
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 1 background check on its contact details
- 4 years of accounts, charted
- All 9 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Seeder Bridging Loans’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk