The Bike Club Limited

Reference number: 747044

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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 bikeclub.com first appeared online, and whether it can receive email
  • What kind of line 07774 734581 is
  • Who else gives the postcode RM13 9BP
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Other names (1)

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

  • Bike Club Trading name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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 (4 permissions)
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
10098146
Company status
Active
Company type
Private limited company
Incorporated
1 April 2016 (10 years old)
Registered office
Unit 19, Easter Park, Ferry Lane South, Rainham, RM13 9BP, England
Nature of business
  • Retail sale of sports goods, fishing gear, camping goods, boats and bicycles (SIC 47640)

Directors and company secretaries

Name Role Born Appointed Other companies
James Douglas Symes Director Sep 1987 1 Apr 2016 1 other company
Michael William Balfour Director May 1949 23 Jan 2019 2 other companies
James Richard Lawson-Brown Director Aug 1977 27 Aug 2020 9 other companies
Arjune Himanshu Shukla Director Jul 1990 26 Apr 2022 2 other companies
Joe Robinson Director Mar 1984 24 Nov 2023 None
Andrew James Mciver Shannon Director Dec 1979 30 Jun 2025 1 other company
James Douglas Symes Secretary Not published 1 Apr 2016 –

Other companies run by these 6 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
2
went insolvent
1

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 6 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Group accountsAudited

Net assets

−£8.68m

Down £7.22m from −£1.46m

Cash at bank

£952k

−22% from £1.22m

Owed within a year

£21.6m

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £8.68m more than it owned.

No turnover or profit for the year to 31 March 2025: the accounts print them but do not tag them. The last tagged figures are £7.48m turnover and −£8.67m profit, for the year to 31 March 2024.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 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.

Figures from the year to 31 March 2024 are for the group: the company and the businesses it owns. Earlier years are the company’s own accounts, from before it had a group.

The figures for the year to 31 March 2025 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

Accounts filed at Companies House for company 10098146. 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

The Bike Club’s history from the FCA register and Companies House, newest first.

Key events (10) All events (30)

2022

31 August 2022

  • Circularity Bc Limited became a part-owner (25–50% of shares)
  • Codex Dam Limited became a part-owner (25–50% of shares)

Companies House

2020

19 May 2020

  • Alexandra Rico-Lloyd stopped being a part-owner
  • James Douglas Symes stopped being a part-owner

Companies House

2017

1 January 2017

  • Alexandra Rico-Lloyd became a part-owner (25–50% of shares)

Companies House

2016

21 September 2016

  • 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

6 April 2016

  • James Douglas Symes became a part-owner (25–50% of shares)

Companies House

1 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 30 events

  • All 30 events in its history (10 shown here)
  • Every director appointment and resignation: 16
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Firms connected to The Bike Club

Other FCA-listed firms that share a director, phone number or address with The Bike Club. 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 The Bike Club

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

In the Romford (RM) postcode area

Devitt Insurance Services LimitedRomfordAuthorisedBest Park Home Finance LtdGraysAuthorisedCockle Finance LimitedRomfordAuthorisedNova Premium Finance LtdRomfordAuthorisedRichard ArmstrongRomfordAuthorisedSeib Insurance Brokers LimitedSouth OckendonAuthorised

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 The Bike Club

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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 30 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is The Bike Club Limited FCA authorised?
Yes, The Bike Club Limited (FRN 747044) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is The Bike Club’s phone number and website?
The FCA register lists the phone number 07774 734581 and the website bikeclub.com for The Bike Club. If you were given different contact details, use these to check with the firm before going any further.
Is The Bike Club a scam or clone?
The Bike Club 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 The Bike Club?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how The Bike Club handles your money, so check the specific product before you commit. You can also refer complaints about The Bike Club to the Financial Ombudsman Service, free of charge.
Who owns The Bike Club?
Companies House lists 2 people with significant control of The Bike Club: Circularity Bc Limited (25–50% of shares) and Codex Dam Limited (25–50% of shares). Before that, it was controlled by Ms Alexandra Rico-Lloyd and Mr James Douglas Symes.
Who runs The Bike Club?
Companies House lists 6 directors of The Bike Club: James Douglas Symes, Michael William Balfour, James Richard Lawson-Brown, Arjune Himanshu Shukla, Joe Robinson and Andrew James McIver Shannon.
How long has The Bike Club been in business?
The company was formed on 1 April 2016, and has held its current FCA authorisation since September 2016.
What do The Bike Club’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£8.68m (down £7.22m from −£1.46m) and cash at bank of £952k (−22% from £1.22m).
Does The Bike Club use any other names?
It trades as Bike Club.

Sources and links

The full report on The Bike Club Limited

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