Shadow Asset Finance Ltd

Reference number: 744824

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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 justassetfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01780 675077 is
  • Who else gives the postcode PE9 3UN
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Other names (2)

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

  • Just Asset Finance Trading name
  • Just Asset Finance Limited Former 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 (3 permissions)
  • Credit Broking
  • 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
10041021
Company status
Active
Company type
Private limited company
Incorporated
3 March 2016 (10 years old)
Registered office
66 St Peters Avenue, Cleethorpes, Lincolnshire, DN35 8HP, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Joe Charles Flint Director Dec 1987 17 Jul 2025 5 other companies

Other companies run by its director

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
5
still active
5
are FCA-registered
2

In the full report: all 5 companies, named

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

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£2,495

No earlier figure to compare

Employees (average)

0

−100% from 2

Owed within a year

£549

−88% from £4,489

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 10041021. 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

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

Key events (8) All events (19)

2025

11 August 2025

  • Changed its registered name from "Just Asset Finance Limited"

FCA register

17 July 2025

  • Board replaced: its only director left and a new director took over
  • Adrian Karl Morvinson gave up control
  • Joe Charles Flint took control (75–100% of shares)

Companies House

2016

30 September 2016

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

FCA register

6 April 2016

  • Adrian Karl Morvinson took control (75–100% of shares)

Companies House

3 March 2016

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (8 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Shadow Asset Finance

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

connected firms
2
share a director
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Shadow Asset Finance

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

In Stamford

Charles and Dean LimitedStamfordAuthorisedFazan KhalidStamfordAuthorisedPegasus Funding Solutions LimitedStamfordAuthorisedPioneer Finance Group LimitedStamfordAuthorisedMoonstone Rentals LimitedStamfordAuthorisedStamford V.E. LimitedStamfordAppointed representative

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 Shadow Asset Finance

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 19 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Shadow Asset Finance Ltd FCA authorised?
Yes, Shadow Asset Finance Ltd (FRN 744824) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Shadow Asset Finance’s phone number and website?
The FCA register lists the phone number 01780 675077 and the website justassetfinance.co.uk for Shadow Asset Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Shadow Asset Finance a scam or clone?
Shadow Asset 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 Shadow Asset Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Shadow Asset Finance handles your money, so check the specific product before you commit. You can also refer complaints about Shadow Asset Finance to the Financial Ombudsman Service, free of charge.
Who owns Shadow Asset Finance?
Companies House lists one person with significant control of Shadow Asset Finance: Mr Joe Charles Flint (75–100% of shares). Before that, it was controlled by Mr Adrian Karl Morvinson.
Who runs Shadow Asset Finance?
Companies House lists one director of Shadow Asset Finance: Joe Charles Flint.
How long has Shadow Asset Finance been in business?
The company was formed on 3 March 2016, and has held its current FCA authorisation since September 2016.
What do Shadow Asset Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £2,495 (no earlier figure to compare).
Does Shadow Asset Finance use any other names?
It trades as Just Asset Finance. It has previously used the name Just Asset Finance Limited.

Sources and links

The full report on Shadow Asset Finance Ltd

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