Simply Finance Ltd: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 22 years
Protected through the principal
No FCA actions
Active company since 2004
Accounts filed up to 29 December 2025

Responsible principal firm

The On-Line Partnership Limited Reference number: 192638 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
Simply Finance Ltd (FRN 407478) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Simply Finance's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Simply Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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

01227 812866
Address

Throwley House, 49 Maidstone Road, Chatham, Kent, ME4 6DP, United Kingdom

In the full report: 2 background checks

What kind of line 01227 812866 is
Who else gives the postcode ME4 6DP

Other names (2)

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

Simply Motor Finance Trading name: A name it trades under now.
Simply Retirement Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through The On-Line Partnership Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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 name: SIMPLY FINANCE LIMITED
Company number: 05154149 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 June 2004 (22 years old)
Registered office: Throwley House, 49 Maidstone Road, Chatham, Kent, ME4 6DP, United Kingdom
Nature of business: Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Phillip Clifford Stanley Goddard	Director	May 1966	15 Jun 2004	3 other companies
Mark Pullinger	Director	Aug 1970	15 Jun 2004	14 other companies
Mark Pullinger	Secretary	Not published	15 Jun 2004	14 other companies

Other companies run by these 2 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: 14
closed down: 8
run together: 3

In the full report: all 14 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 companies these 2 directors run together

Filed accounts and finances

Year to 29 December 2025Full accountsNot audited

Total equity

£13.7k

No earlier figure to compare

Cash at bank

£18.0k

+105% from £8,790

Owed within a year

£88.9k

+29% from £69.1k

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.

Accounts filed at Companies House for company 05154149. 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

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

Key events (4) All events (8)

2016

6 April 2016

Emily Jane Pullinger became a part-owner (25–50% of shares)
Mark Pullinger became a part-owner (25–50% of shares)

Companies House

2004

15 September 2004

Became an appointed representative

FCA register

15 June 2004

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms like Simply Finance

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

In Chatham

Plum Bro's LtdChathamAppointed representative Ranjan NathChathamAppointed representative Medway Blinds LtdChathamAppointed representative First Business Finance (UK) LtdChathamAuthorised Host Finance LtdChathamAuthorised Jason DoreChathamAuthorised

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 Simply Finance

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

14 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is Simply Finance Ltd FCA authorised?

Simply Finance Ltd (FRN 407478) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Simply Finance?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Simply Finance Ltd (FRN 407478) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Simply Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Simply Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is Simply Finance’s phone number?

The FCA register lists the phone number 01227 812866 for Simply Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Simply Finance a scam or clone?

Simply 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 Simply Finance?

Protection works through The On-Line Partnership Limited, the principal firm responsible for Simply Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Simply Finance?

Companies House lists 2 people with significant control of Simply Finance: Mr Mark Pullinger (25–50% of shares) and Mrs Emily Jane Pullinger (25–50% of shares).

Who runs Simply Finance?

Companies House lists 2 directors of Simply Finance: Phillip Clifford Stanley Goddard and Mark Pullinger.

How long has Simply Finance been in business?

The company was formed on 15 June 2004.

What do Simply Finance’s latest accounts show?

Its latest accounts, to 29 December 2025, show total equity of £13.7k (no earlier figure to compare) and cash at bank of £18.0k (+105% from £8,790).

Does Simply Finance use any other names?

It trades as Simply Motor Finance and Simply Retirement.