The College of Animal Welfare Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1994
Accounts filed up to 31 December 2025

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.

Website

caw.ac.uk (opens in a new tab)
Phone number

01480 422060
Address

The College Of Animal Welfare, Headland House, Chord Business Park, London Road, Huntingdon, Cambridgeshire, PE29 2BQ, United Kingdom

In the full report: 3 background checks

When caw.ac.uk first appeared online, and whether it can receive email
What kind of line 01480 422060 is
Who else gives the postcode PE29 2BQ

Other names (1)

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

Loans2Learn Trading name: A name it trades under now.

The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

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 (2 permissions)

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)

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: 02966536 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 September 1994 (32 years old)
Registered office: Headland House Chord Business Park, London Road, Godmanchester, Huntingdon, Cambridgeshire, PE29 2BQ
Nature of business: Other education not elsewhere classified (SIC 85590)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Barbara Heaton-Smith	Director	Aug 1960	20 Jan 1996	15 other companies
Leslie Heaton-Smith	Director	Dec 1963	20 Jan 1996	15 other companies
David William Cooper	Director	Oct 1958	1 Aug 2010	11 other companies
Leslie Heaton-Smith	Secretary	Not published	20 Jan 1996	15 other companies

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: 26
closed down: 6
run together: 12

In the full report: all 26 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 12 companies these 3 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Abridged accountsNot audited

Total equity

£1.24m

+4.1% from £1.19m

Cash at bank

£426k

Up £410k from £16.0k

Employees (average)

153

−32% from 226

Owed within a year

£733k

−43% from £1.29m

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 02966536. 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 College of Animal Welfare’s history from the FCA register and Companies House, newest first.

Key events (6) All events (21)

2016

9 September 2016

Barbara Claire Heaton-Smith became a part-owner (25–50% of shares)
Leslie Heaton-Smith became a part-owner (25–50% of shares)

Companies House

20 June 2016

Regulated by the FCA from this date
FCA imposed a requirement (Not for profit firm)
Became authorised by the FCA

FCA register

1994

9 September 1994

Incorporated at Companies House

Companies House

In the full report: all 21 events

All 21 events in its history (6 shown here)
Every director appointment and resignation: 11

Firms like The College of Animal Welfare

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

In Huntingdon

The Business Lending Exchange LimitedHuntingdonAuthorised Prior R SOT LimitedHuntingdonAuthorised

In the Peterborough (PE) postcode area

2Gether Insurance LtdWisbechAuthorised Anthony EmmersonCambridgeshireAuthorised BFSL LimitedPeterboroughAuthorised Cambridge Independent Financial PlanningKing's LynnAuthorised

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 College of Animal Welfare

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

26 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 21 events in its history

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Frequently asked questions about this firm

Is The College of Animal Welfare Limited FCA authorised?

Yes, The College of Animal Welfare Limited (FRN 727412) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is The College of Animal Welfare’s phone number and website?

The FCA register lists the phone number 01480 422060 and the website caw.ac.uk for The College of Animal Welfare. If you were given different contact details, use these to check with the firm before going any further.

Is The College of Animal Welfare a scam or clone?

The College of Animal Welfare 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 College of Animal Welfare?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how The College of Animal Welfare handles your money, so check the specific product before you commit. You can also refer complaints about The College of Animal Welfare to the Financial Ombudsman Service, free of charge.

Who owns The College of Animal Welfare?

Companies House lists 2 people with significant control of The College of Animal Welfare: Ms Barbara Claire Heaton-Smith (25–50% of shares) and Mr Leslie Heaton-Smith (25–50% of shares).

Who runs The College of Animal Welfare?

Companies House lists 3 directors of The College of Animal Welfare: Barbara Heaton-Smith, Leslie Heaton-Smith and David William Cooper.

How long has The College of Animal Welfare been in business?

The company was formed on 9 September 1994, and has held its current FCA authorisation since June 2016.

What do The College of Animal Welfare’s latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £1.24m (+4.1% from £1.19m) and cash at bank of £426k (up £410k from £16.0k).

Does The College of Animal Welfare use any other names?

It trades as Loans2Learn.