Valley Finance (Belfast) Ltd

Reference number: 681279

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Scammers have impersonated this firm. The FCA has published 2 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

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.

  • No website on the FCA register

  • Phone number

    028 9061 2230

  • Address

    Titanic Suites Belfast Ltd, Enterprise House 55-59, Adelaide Street, Belfast, Northern Ireland, BT2 8FE, United Kingdom

In the full report: 2 background checks

  • What kind of line 028 9061 2230 is
  • Who else gives the postcode BT2 8FE
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Other names (1)

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

  • Valley Finance Trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (5)
  • 020 8123 8852
  • 0330 001 5384
  • 0333 303 4061
  • 07418 310488
  • 07459 744797
Fake email addresses (2)
  • customerservice@adexeconlineloansworldwide.eu
  • info@adexeconlineloansworldwide.eu
Fake websites (1)
  • adexeconlineloansworldwide.us
The 2 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

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 a regulated home credit loan agreement as lender
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
NI055702
Company status
Active
Company type
Private limited company
Incorporated
22 June 2005 (21 years old)
Registered office
17 Clarendon Road, Clarendon Dock, Belfast, BT1 3BG
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Martina Mary Bannon Director Jun 1964 22 Jun 2005 None
Paul Bannon Director Feb 1960 22 Jun 2005 None
Paul Bannon Secretary Not published 22 Jun 2005 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£42.9k

+61% from £26.7k

Cash at bank

£12.5k

+20% from £10.4k

Employees (average)

2

Same as 2

Owed within a year

£20.3k

−59% from £50.0k

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
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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 NI055702. 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

Valley Finance (Belfast)’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2017

26 September 2017

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Martina Mary Bannon became a part-owner (25–50% of shares)
  • Paul Bannon became the majority owner (50–75% of shares)

Companies House

25 January 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2005

22 June 2005

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like Valley Finance (Belfast)

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

In Belfast

Humm Group LimitedBelfastAuthorisedAllianz PLCBelfastAuthorisedAsgard Financial Services LimitedBelfastAuthorisedBleerick SuppliesBelfastAuthorisedCentral Finance & Loan Co. LtdBelfastAuthorisedCornmarket Insurance Services LimitedBelfastAuthorised

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 Valley Finance (Belfast)

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Valley Finance (Belfast) Ltd FCA authorised?
Yes, Valley Finance (Belfast) Ltd (FRN 681279) 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 no limits on its permissions.
What is Valley Finance (Belfast)’s phone number?
The FCA register lists the phone number 028 9061 2230 for Valley Finance (Belfast). If you were given different contact details, use these to check with the firm before going any further.
Is Valley Finance (Belfast) a scam or clone?
Scammers have impersonated Valley Finance (Belfast): the FCA has published 2 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Valley Finance (Belfast), shown on this page.
Is my money safe with Valley Finance (Belfast)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Valley Finance (Belfast) handles your money, so check the specific product before you commit. You can also refer complaints about Valley Finance (Belfast) to the Financial Ombudsman Service, free of charge.
Who owns Valley Finance (Belfast)?
Companies House lists 2 people with significant control of Valley Finance (Belfast): Mr Paul Bannon (50–75% of shares) and Mrs Martina Mary Bannon (25–50% of shares).
Who runs Valley Finance (Belfast)?
Companies House lists 2 directors of Valley Finance (Belfast): Martina Mary Bannon and Paul Bannon.
How long has Valley Finance (Belfast) been in business?
The company was formed on 22 June 2005, and has held its current FCA authorisation since January 2016.
What do Valley Finance (Belfast)’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £42.9k (+61% from £26.7k) and cash at bank of £12.5k (+20% from £10.4k).
Does Valley Finance (Belfast) use any other names?
It trades as Valley Finance.

Sources and links

The full report on Valley Finance (Belfast) Ltd

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