Switcha Limited

Reference number: 828963

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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 switcha.com first appeared online, and whether it can receive email
  • What kind of line 07624 212799 is
  • Who else gives the postcode SK10 4DN
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Other names (5)

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

  • Kandoo Trading name
  • Switcha.com Trading name
  • Ultimate Finance Trading name
  • Contractor 247 Former trading name
  • Finance match Former 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 (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
11158502
Company status
Active
Company type
Private limited company
Incorporated
19 January 2018 (8 years old)
Registered office
5 Scott Road, Prestbury, SK10 4DN, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Nathan David Cafearo Director Apr 1976 19 Jan 2018 None
Alan Douglas Milne Director Oct 1959 8 Feb 2022 3 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
3
still active
3
is FCA-registered
1

In the full report: all 3 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 one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Small company accountsNot audited

Net assets

−£787k

Up £27.7k from −£815k

Cash at bank

£29.5k

−76% from £122k

Employees (average)

4

−20% from 5

Owed within a year

£862k

−12% from £976k

Net assets are negative: on its last balance sheet the company owed £787k more than it owned.

Net assets

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 11158502. 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

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

Key events (4) All events (17)

2019

23 August 2019

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

FCA register

2018

19 January 2018

  • Incorporated at Companies House
  • Nathan David Cafearo took control (75–100% of shares)

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 connected to Switcha

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Switcha

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

In Macclesfield

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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 Switcha

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Switcha Limited FCA authorised?
Yes, Switcha Limited (FRN 828963) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2019 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Switcha’s phone number and website?
The FCA register lists the phone number 07624 212799 and the website switcha.com for Switcha. If you were given different contact details, use these to check with the firm before going any further.
Is Switcha a scam or clone?
Switcha 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 Switcha?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Switcha handles your money, so check the specific product before you commit. You can also refer complaints about Switcha to the Financial Ombudsman Service, free of charge.
Who owns Switcha?
Companies House lists one person with significant control of Switcha: Mr Nathan David Cafearo (75–100% of shares).
Who runs Switcha?
Companies House lists 2 directors of Switcha: Nathan David Cafearo and Alan Douglas Milne.
How long has Switcha been in business?
The company was formed on 19 January 2018, and has held its current FCA authorisation since August 2019.
What do Switcha’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of −£787k (up £27.7k from −£815k) and cash at bank of £29.5k (−76% from £122k).
Does Switcha use any other names?
It trades as Kandoo, Switcha.com and Ultimate Finance. It has previously used 2 other names: Contractor 247 and Finance match.

Sources and links

The full report on Switcha Limited

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