Tick Finance Ltd

Reference number: 713746

Instant download

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 mytick.money first appeared online, and whether it can receive email
  • What kind of line 0300 500 0975 is, and the other firm that gives it
  • Who else gives the postcode NE4 7DF
Instant PDF download
Other names (6)

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

  • MyTick.Money Trading name
  • Tick Money Trading name
  • The Smarterbuys Store Ltd Former name
  • The Smarterbuys Store Ltd - In Company Voluntary Arrangement Former name
  • Mammoth Finance Former trading name
  • Smarterbuys Store Former trading name

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.

Concerns on the company record

  • This company has insolvency history on record.
Company number
07526461
Company status
Active
Company type
Private company limited by guarantee
Incorporated
11 February 2011 (15 years old)
Registered office
Baird House City West Business Park, Scotswood Road, Newcastle Upon Tyne, NE4 7DF, England
Nature of business
  • Retail sale via mail order houses or via Internet (SIC 47910)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Grahame George Scott Mcgirr Director Dec 1977 31 Oct 2022 18 other companies
Christopher James Imrie Director Oct 1979 31 Oct 2022 1 other company

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
18
closed down
8
went insolvent
1

In the full report: all 18 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 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 2 directors run together
  • All 18 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 27 October 2025Small company accountsNot audited

Total equity

−£11.7k

No earlier figure to compare

Cash at bank

£5,387

+56% from £3,450

Employees (average)

0

Same as 0

Owed within a year

£52.3k

−18% from £63.9k

Total equity is negative: on its last balance sheet the company owed £11.7k more than it owned.

The accounts for the year to 27 October 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £498k, for the year to 31 May 2019.

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
Instant PDF download
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 07526461. 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

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

Key events (7) All events (49)

2024

8 July 2024

  • Changed its registered name from "The Smarterbuys Store Ltd"

FCA register

2023

15 May 2023

  • Changed its registered name from "The Smarterbuys Store Ltd - In Company Voluntary Arrangement"

FCA register

2022

31 October 2022

  • Board replaced: all 4 directors left and 4 new directors took over

Companies House

2016

21 July 2016

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

FCA register

2011

11 February 2011

  • Incorporated at Companies House

Companies House

In the full report: all 49 events

  • All 49 events in its history (7 shown here)
  • Every director appointment and resignation: 34
Instant PDF download

Firms connected to Tick Finance

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

connected firms
2
share a director
1
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Tick Finance

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

In Newcastle Upon Tyne

Home Group LimitedNewcastle upon TyneAuthorisedChris Gooding (IFA) LtdNewcastle upon TyneAuthorisedJ.a. Bains LimitedNewcastle Upon TyneAuthorisedMammoth Finance LimitedNewcastle Upon TyneAuthorisedNorthern Transport Finance LimitedNewcastle upon TyneAuthorisedS P & K B ChaddahNewcastle Upon TyneAuthorised

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 Tick Finance

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

  • 18 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 49 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Tick Finance Ltd FCA authorised?
Yes, Tick Finance Ltd (FRN 713746) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Tick Finance’s phone number and website?
The FCA register lists the phone number 0300 500 0975 and the website mytick.money for Tick Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Tick Finance a scam or clone?
Tick 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 Tick Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Tick Finance handles your money, so check the specific product before you commit. You can also refer complaints about Tick Finance to the Financial Ombudsman Service, free of charge.
Who runs Tick Finance?
Companies House lists 2 directors of Tick Finance: Grahame George Scott McGirr and Christopher James Imrie.
How long has Tick Finance been in business?
The company was formed on 11 February 2011, and has held its current FCA authorisation since July 2016.
What do Tick Finance’s latest accounts show?
Its latest accounts, to 27 October 2025, show total equity of −£11.7k (no earlier figure to compare) and cash at bank of £5,387 (+56% from £3,450).
Does Tick Finance use any other names?
It trades as MyTick.Money and Tick Money. It has previously used 4 other names, including The Smarterbuys Store Ltd, The Smarterbuys Store Ltd - In Company Voluntary Arrangement and Mammoth Finance.

Sources and links

The full report on Tick Finance Ltd

£19.99 · Instant PDF download

Loading secure checkout…