Vibe Financial Services Ltd

Reference number: 798033

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Scammers have impersonated this firm. The FCA has published 1 warning 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.

In the full report: 3 background checks

  • When vibesf.co.uk first appeared online, and whether it can receive email
  • What kind of line 01329 277599 is, and the other firm that gives it
  • Who else gives the postcode PO13 9FX
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Other names (2)

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

  • VIBE Finance Trading name
  • VIBE Specialist 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 (3)
  • 0121 314 3345
  • 07312 451677
  • 07424 597572
Fake email addresses (3)
  • mr.patrick.hartigan@mcgregor-asc.com
  • noele.mathias@mcgregor-asc.com
  • support@vibeinvest.com
Fake websites (3)
  • vibeinv.com
  • vibeinv24.com
  • vibeinvv.com
The FCA warning 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
  • Debt Adjusting
  • Debt-counselling

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
10979822
Company status
Active
Company type
Private limited company
Incorporated
25 September 2017 (9 years old)
Registered office
H4 Daedalus Park, Daedalus Drive, Lee-On-The-Solent, PO13 9FX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kim Angela Mcginley Director Dec 1984 4 Jan 2018 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
is FCA-registered
1

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
  • The one on the FCA register
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£5,010

−5.3% from £5,292

Employees (average)

10

Same as 10

Owed within a year

£103k

+3.5% from £99.7k

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 10979822. 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

Vibe Financial Services’s history from the FCA register and Companies House, newest first.

Key events (7) All events (15)

2021

5 August 2021

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2018

4 April 2018

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

FCA register

4 January 2018

  • Jonathan McGinley gave up control
  • Kim Angela McGinley took control (75–100% of shares)

Companies House

2017

25 September 2017

  • Incorporated at Companies House
  • Jonathan McGinley took control (75–100% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Vibe Financial Services

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

connected firms
3
share a director
1
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Vibe Financial Services

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

In Lee-on-the-Solent

Carter Smith Property Finance LtdLee-On-The-SolentAppointed representativeConnection technologies LimitedLee-On-The-SolentAuthorised

In the Portsmouth (PO) postcode area

Adrian John WheelerVentnorAuthorisedAntonia SalzlSouthseaAuthorisedBartletts Service StationSandownAuthorisedCapital Fleet Solutions LtdFarehamAuthorised

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 Vibe Financial Services

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
  • 6 years of accounts, charted
  • All 15 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Vibe Financial Services Ltd FCA authorised?
Yes, Vibe Financial Services Ltd (FRN 798033) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2018 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Vibe Financial Services’ phone number and website?
The FCA register lists the phone number 01329 277599 and the website vibesf.co.uk for Vibe Financial Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Vibe Financial Services a scam or clone?
Scammers have impersonated Vibe Financial Services: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Vibe Financial Services, shown on this page.
Is my money safe with Vibe Financial Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Vibe Financial Services handles your money, so check the specific product before you commit. You can also refer complaints about Vibe Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Vibe Financial Services?
Companies House lists one person with significant control of Vibe Financial Services: Mrs Kim Angela McGinley (75–100% of shares). Before that, it was controlled by Mr Jonathan McGinley.
Who runs Vibe Financial Services?
Companies House lists one director of Vibe Financial Services: Kim Angela McGinley.
How long has Vibe Financial Services been in business?
The company was formed on 25 September 2017, and has held its current FCA authorisation since April 2018.
What do Vibe Financial Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £5,010 (−5.3% from £5,292).
Does Vibe Financial Services use any other names?
It trades as VIBE Finance and VIBE Specialist Finance.

Sources and links

The full report on Vibe Financial Services Ltd

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