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.
- Appointed for 1 year
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 October 2025
Responsible principal firm
LIBERTY COMMERCIAL FINANCE LIMITED Reference number: 786773 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.
- WC Commercial Finance Ltd (FRN 1036018) is an AR of LIBERTY COMMERCIAL FINANCE LIMITED (FRN 786773). When you use WC Commercial Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from WC Commercial 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.
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No website on the FCA register
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Phone number
-
Address
York House, 20 York Street, Manchester, Manchester, M2 3BB, United Kingdom
In the full report: 2 background checks
- What kind of line 07809 476880 is
- Who else gives the postcode M2 3BB
Other names (1)
If you were contacted under any of these names, it is this firm.
- WC Commercial Finance Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Liberty Commercial Finance Limited, 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, freeYou 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
- 12039788 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 June 2019 (7 years old)
- Registered office
- C/O Williamson & Croft York House, 20 York Street, Manchester, Greater Manchester, M2 3BB, United Kingdom
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Damien Paul Loughran | Director | Nov 1985 | 7 Jun 2019 | 12 other companies |
| Daniel Michael Moon | Director | Oct 1989 | 7 Jun 2019 | 20 other companies |
| Christopher Rimmer | Director | Oct 1975 | 31 Mar 2025 | 1 other company |
| Helen Rimmer | Director | May 1987 | 31 Mar 2025 | 1 other company |
Other companies run by these 4 directors
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
- 25
- closed down
- 7
- are FCA-registered
- 2
In the full report: all 25 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
- The 9 companies these 4 directors run together
Filed accounts and finances
Net assets
£4,654
+153% from £1,836
Employees (average)
0
Same as 0
Owed within a year
£1,680
Up £1,560 from £120
Net assets
In the full report: all 5 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 12039788. Figures are exactly as filed; nothing is estimated.
Key dates in its history
WC Commercial Finance’s history from the FCA register and Companies House, newest first.
2025
10 July 2025
- Changed its registered name from "WC Commercial Finance Limited"
FCA register
9 July 2025
- Became an appointed representative
FCA register
2022
1 November 2022
- Williamson & Croft LLP gave up control
- Williamson Croft Holdings Limited took control (75–100% of shares)
Companies House
2019
7 June 2019
- Incorporated at Companies House
- Williamson & Croft LLP took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 4
Firms connected to WC Commercial Finance
Other FCA-listed firms that share a director, phone number or address with WC Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 2
- share its postcode
- 2
In the full report: all 3 connected firms, named
- How each is linked: shared directors (2), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like WC Commercial Finance
Other firms of the same type (credit broker), nearest first.
In Manchester
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 WC Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 25 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 10 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk