Thames Valley Asset Finance Limited

Reference number: 667804

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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 wisebf.co.uk first appeared online, and whether it can receive email
  • What kind of line 01635 785400 is
  • Who else gives the postcode RG7 1WY
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Other names (5)

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

  • Fast Car Finance Trading name
  • Liberate Capital Trading name
  • Wise Business Finance Trading name
  • Oxygen Business Finance Former trading name
  • TVAF Asset Finance & Business Loans 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

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
05880332
Company status
Active
Company type
Private limited company
Incorporated
18 July 2006 (20 years old)
Registered office
Wyvols Court Basingstoke Road, Swallowfield, Reading, Berkshire, RG7 1WY, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Paul Wise Director Jun 1970 18 Jul 2006 None
Fiona Suzanne Wise Director May 1974 28 Jun 2018 1 other company
Mark Peter Riches Director Jun 1970 5 Nov 2025 6 other companies
Yvonne Mary Wise Secretary Not published 18 Jul 2006 –

Other companies run by these 3 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
7
closed down
1
are FCA-registered
5

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 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 31 July 2025Small company accountsNot audited

Net assets

£351k

<1% from £353k

Cash at bank

£341k

−6.8% from £366k

Employees (average)

4

Same as 4

Owed within a year

£50.6k

−9.1% from £55.7k

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 05880332. 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

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

Key events (5) All events (17)

2016

6 April 2016

  • Andrew Paul Wise took control (75–100% of shares)

Companies House

2015

30 June 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2006

18 July 2006

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Thames Valley Asset Finance

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

connected firms
4
share a director
1
share its postcode
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Thames Valley Asset Finance

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

In Reading

Malcolm Lacey and Paula LaceyReadingAuthorisedPanadea LtdReadingAuthorisedSarah FitzharrisReadingAuthorisedTransautoReadingAuthorisedAhmed AleshaikerReadingAppointed representativeAndrew McDonnell, Paramveer Singh Bhangu & Kirandeep Singh BhogalReadingAppointed 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 Thames Valley Asset Finance

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

  • 7 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
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Thames Valley Asset Finance Limited FCA authorised?
Yes, Thames Valley Asset Finance Limited (FRN 667804) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Thames Valley Asset Finance’s phone number and website?
The FCA register lists the phone number 01635 785400 and the website wisebf.co.uk for Thames Valley Asset Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Thames Valley Asset Finance a scam or clone?
Thames Valley 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 Thames Valley Asset Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Thames Valley Asset Finance handles your money, so check the specific product before you commit. You can also refer complaints about Thames Valley Asset Finance to the Financial Ombudsman Service, free of charge.
Who owns Thames Valley Asset Finance?
Companies House lists one person with significant control of Thames Valley Asset Finance: Mr Andrew Paul Wise (75–100% of shares).
Who runs Thames Valley Asset Finance?
Companies House lists 3 directors of Thames Valley Asset Finance: Andrew Paul Wise, Fiona Suzanne Wise and Mark Peter Riches.
How long has Thames Valley Asset Finance been in business?
The company was formed on 18 July 2006, and has held its current FCA authorisation since June 2015.
What do Thames Valley Asset Finance’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £351k (<1% from £353k) and cash at bank of £341k (−6.8% from £366k).
Does Thames Valley Asset Finance use any other names?
It trades as Fast Car Finance, Liberate Capital and Wise Business Finance. It has previously used 2 other names: Oxygen Business Finance and TVAF Asset Finance & Business Loans.

Sources and links

The full report on Thames Valley Asset Finance Limited

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