VK Finance Ltd

Reference number: 1026563

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Connect IFA Ltd Reference number: 441505 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • VK Finance Ltd (FRN 1026563) is an AR of Connect IFA Ltd (FRN 441505). When you use VK Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from VK Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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

    020 8203 4131

  • Address

    31 Finchley Lane, London, Barnet, NW4 1BX, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8203 4131 is
  • Who else gives the postcode NW4 1BX
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Other names (1)

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

  • Mirabelle Finance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Connect IFA Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
15982257
Company status
Active
Company type
Private limited company
Incorporated
27 September 2024 (2 years old)
Registered office
188 Brent Street, London, NW4 1BE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Joshua Kay Director Jun 1987 27 Sep 2024 2 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
2
still active
2

In the full report: all 2 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 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

£71.9k

No earlier figure to compare

Owed within a year

£113k

No earlier figure to compare

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 15982257. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (9)

2026

10 February 2026

  • Victor Amar stopped being the majority owner

Companies House

2025

2 March 2025

  • Became an appointed representative

FCA register

2024

15 November 2024

  • Victor Amar became the majority owner (50–75% of shares)

Companies House

27 September 2024

  • Incorporated at Companies House
  • Joshua Kay took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to VK Finance

Other FCA-listed firms that share a director, phone number or address with VK 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 VK Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed representative

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 VK Finance

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is VK Finance Ltd FCA authorised?
VK Finance Ltd (FRN 1026563) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for VK Finance?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. VK Finance Ltd (FRN 1026563) is an AR of Connect IFA Ltd (FRN 441505). When you use VK Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from VK Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is VK Finance’s phone number?
The FCA register lists the phone number 020 8203 4131 for VK Finance. If you were given different contact details, use these to check with the firm before going any further.
Is VK Finance a scam or clone?
VK 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 VK Finance?
Protection works through Connect IFA Ltd, the principal firm responsible for VK Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns VK Finance?
Companies House lists one person with significant control of VK Finance: Mr Joshua Kay (75–100% of shares). Before that, it was controlled by Mr Victor Amar.
Who runs VK Finance?
Companies House lists one director of VK Finance: Joshua Kay.
How long has VK Finance been in business?
The company was formed on 27 September 2024.
What do VK Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £71.9k (no earlier figure to compare).
Does VK Finance use any other names?
It trades as Mirabelle Finance.

Sources and links

The full report on VK Finance Ltd

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