Valley Financial Group Ltd
Reference number: 842497
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.
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Phone number
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Address
5A Brook Street, Manningtree, Essex, CO11 1DJ, United Kingdom
In the full report: 3 background checks
- When feesfreemortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 01206 913444 is
- Who else gives the postcode CO11 1DJ
Other names (4)
If you were contacted under any of these names, it is this firm.
- Fees Free Mortgages Trading name: A name it trades under now.
- First Time Buyers' Club Trading name: A name it trades under now.
- Thrive Trading name: A name it trades under now.
- Wise Financial Protection Trading name: A name it trades under now.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Sell or arrange insurance FSCS may applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (12 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Assisting in the administration and performance of a contract of insurance
- Dealing in investments as agent
- Debt Adjusting
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
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
- 11898008 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 March 2019 (7 years old)
- Registered office
- 5a Brook Street, Manningtree, CO11 1DJ, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Financial intermediation not elsewhere classified (SIC 64999)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Martin James Bright | Director | May 1988 | 21 Mar 2019 | 1 other company |
Other companies run by its director
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 company
- 1
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
£18.4k
+216% from £5,831
Employees (average)
4
No earlier figure to compare
Owed within a year
£26.7k
+27% from £21.1k
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
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 11898008. 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 Financial Group’s history from the FCA register and Companies House, newest first.
2019
25 October 2019
- Regulated by the FCA from this date
FCA register
24 October 2019
- Became authorised by the FCA
FCA register
21 March 2019
- Incorporated at Companies House
- Martin James Bright took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms connected to Valley Financial Group
Other FCA-listed firms that share a director, phone number or address with Valley Financial Group. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- no longer authorised
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Valley Financial Group
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Colchester (CO) postcode area
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 Financial Group
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 10 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do Valley Financial Group’s latest accounts show?
Does Valley Financial Group use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk