Valour Finance Limited

Reference number: 718303

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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 savvy.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 429 1686 is
  • Who else gives the postcode SK3 0ET
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Other names (1)

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

  • Savvy.co.uk Trading name

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 (5 permissions)
  • Credit Broking
  • Entering into high-cost short-term credit as lender
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit

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
06034431
Company status
Active
Company type
Private limited company
Incorporated
20 December 2006 (19 years old)
Registered office
1st Floor High Bank House, Exchange Street, Stockport, SK3 0ET, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Anthony Bowker Director Sep 1971 2 Dec 2019 13 other companies

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 companies
13
closed down
6
still active
7

In the full report: all 13 companies, 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£2.38m

+67% from £1.42m

Cash at bank

£711k

+123% from £318k

Employees (average)

14

−6.7% from 15

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 06034431. 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

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

Key events (7) All events (17)

2016

29 September 2016

  • Board replaced: its only director left and a new director took over

Companies House

11 August 2016

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

FCA register

30 June 2016

  • Mark Anthony Bowker gave up control
  • Mark Anthony Bowker took control (75–100% of shares)

Companies House

6 April 2016

  • Savvy Holdings Group Limited took control (75–100% of shares)

Companies House

2006

20 December 2006

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (7 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Valour Finance

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Valour Finance

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

In Stockport

Mellor Finance LimitedStockportAuthorisedMilford Mutual Facilities LimitedStockportAuthorisedOasis Personal Credit LimitedStockportAuthorisedAMS Pawnbrokers LimitedStockportAuthorised

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 Valour Finance

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Valour Finance Limited FCA authorised?
Yes, Valour Finance Limited (FRN 718303) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Valour Finance’s phone number and website?
The FCA register lists the phone number 0161 429 1686 and the website savvy.co.uk for Valour Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Valour Finance a scam or clone?
Valour 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 Valour Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Valour Finance handles your money, so check the specific product before you commit. You can also refer complaints about Valour Finance to the Financial Ombudsman Service, free of charge.
Who owns Valour Finance?
Valour Finance is owned by Savvy Holdings Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016. Before that, it was controlled by Mr Mark Anthony Bowker.
Who runs Valour Finance?
Companies House lists one director of Valour Finance: Mark Anthony Bowker.
How long has Valour Finance been in business?
The company was formed on 20 December 2006, and has held its current FCA authorisation since August 2016.
What do Valour Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £2.38m (+67% from £1.42m) and cash at bank of £711k (+123% from £318k).
Does Valour Finance use any other names?
It trades as Savvy.co.uk.

Sources and links

The full report on Valour Finance Limited

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