Universal personal finance limited

Reference number: 675025

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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, 1 thing worth a closer look

  • When universalpersonalfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 333 1259 is
  • Who else gives the postcode EN6 1TL
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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
  • 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)

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
07505637
Company status
Active
Company type
Private limited company
Incorporated
26 January 2011 (15 years old)
Registered office
167 Turners Hill, Cheshunt, Herts, EN8 9BH
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael James Daly Director May 1955 26 Jan 2011 8 other companies
Scott Forrester Director Sep 1980 14 Jul 2025 4 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
9
closed down
4
are FCA-registered
2

In the full report: all 9 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 2 on the FCA register
  • The 3 companies these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Abridged accountsNot audited

Net assets

£970k

No earlier figure to compare

Cash at bank

£579k

+70% from £341k

Employees (average)

2

+100% from 1

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 07505637. 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

Universal personal finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2016

30 June 2016

  • Michael James Daly took control (75–100% of shares)

Companies House

11 January 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

2011

26 January 2011

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Universal personal finance

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

connected firms
4
share a director
2
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Universal personal finance

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

In Potters Bar

Polaris Finance LimitedPotters BarAuthorised

In the Enfield (EN) postcode area

Patricia Mary RichmondCuffley, Potters BarAuthorisedRamasis LimitedHertfordshireAuthorisedTerence AppleEnfieldAuthorisedClaybrook Group LimitedWaltham AbbeyAuthorisedDuarte Adam LimitedWaltham CrossAuthorised

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 Universal personal finance

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 13 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Universal personal finance limited FCA authorised?
Yes, Universal personal finance limited (FRN 675025) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Universal personal finance’s phone number and website?
The FCA register lists the phone number 0330 333 1259 and the website universalpersonalfinance.co.uk for Universal personal finance. If you were given different contact details, use these to check with the firm before going any further.
Is Universal personal finance a scam or clone?
Universal personal 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 Universal personal finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Universal personal finance handles your money, so check the specific product before you commit. You can also refer complaints about Universal personal finance to the Financial Ombudsman Service, free of charge.
Who owns Universal personal finance?
Companies House lists one person with significant control of Universal personal finance: Mr Michael James Daly (75–100% of shares).
Who runs Universal personal finance?
Companies House lists 2 directors of Universal personal finance: Michael James Daly and Scott Forrester.
How long has Universal personal finance been in business?
The company was formed on 26 January 2011, and has held its current FCA authorisation since January 2016.
What do Universal personal finance’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £970k (no earlier figure to compare) and cash at bank of £579k (+70% from £341k).

Sources and links

The full report on Universal personal finance limited

£19.99 · Instant PDF download

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