VC2 (Wirral) Ltd

Reference number: 741802

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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

  • When cashbrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 01244 318044 is
  • Who else gives the postcode CH1 3JJ
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Other names (1)

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

  • Cashbrokers 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 (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
08059884
Company status
Active
Company type
Private limited company
Incorporated
8 May 2012 (14 years old)
Registered office
Britannia Court, 5 Moor Street, Worcester, WR1 3DB, England
Nature of business
  • Retail sale of other second-hand goods in stores (not incl. antiques) (SIC 47799)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Paul Smit Director Apr 1979 4 Sep 2024 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

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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£94.8k

+23% from £77.4k

Cash at bank

£28.5k

+172% from £10.5k

Employees (average)

4

Up 4 from 0

Owed within a year

£61.2k

+6.8% from £57.3k

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 08059884. 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

VC2 (Wirral)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (20)

2024

14 September 2024

  • David Patrick Howard no longer has significant control

Companies House

4 September 2024

  • Board replaced: its only director left and a new director took over
  • Robert Paul Smit became the majority owner (50–75% of shares)

Companies House

2023

13 February 2023

  • Michael Hamilton Smith no longer has significant control

Companies House

2016

4 August 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

6 April 2016

  • David Patrick Howard gained significant control
  • Michael Hamilton Smith gained significant control

Companies House

2012

8 May 2012

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (10 shown here)
  • Every director appointment and resignation: 7
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Firms like VC2 (Wirral)

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

In Chester

MBNA LimitedChesterAuthorisedCredit Solutions International LimitedChesterAuthorisedFJM (NW) LimitedChesterAuthorisedIsebrook SuppliesChesterAuthorisedLdf Finance No. 2 LimitedChesterAuthorisedLDF Finance No. 3 LimitedChesterAuthorised

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 VC2 (Wirral)

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 20 events in its history

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Frequently asked questions about this firm

Is VC2 (Wirral) Ltd FCA authorised?
Yes, VC2 (Wirral) Ltd (FRN 741802) 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 a limit on what it may do.
What is VC2 (Wirral)’s phone number and website?
The FCA register lists the phone number 01244 318044 and the website cashbrokers.co.uk for VC2 (Wirral). If you were given different contact details, use these to check with the firm before going any further.
Is VC2 (Wirral) a scam or clone?
VC2 (Wirral) 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 VC2 (Wirral)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how VC2 (Wirral) handles your money, so check the specific product before you commit. You can also refer complaints about VC2 (Wirral) to the Financial Ombudsman Service, free of charge.
Who owns VC2 (Wirral)?
Companies House lists one person with significant control of VC2 (Wirral): Mr Robert Paul Smit (50–75% of shares). Before that, it was controlled by Mr David Patrick Howard and Mr Michael Hamilton Smith.
Who runs VC2 (Wirral)?
Companies House lists one director of VC2 (Wirral): Robert Paul Smit.
How long has VC2 (Wirral) been in business?
The company was formed on 8 May 2012, and has held its current FCA authorisation since August 2016.
What do VC2 (Wirral)’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £94.8k (+23% from £77.4k) and cash at bank of £28.5k (+172% from £10.5k).
Does VC2 (Wirral) use any other names?
It trades as Cashbrokers.

Sources and links

The full report on VC2 (Wirral) Ltd

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