We Are Catalyst Limited

Reference number: 954273

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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 catalystpf.co.uk first appeared online, and whether it can receive email
  • What kind of line 01202 112900 is
  • Who else gives the postcode BH1 1HL
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Other names (2)

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

  • CATALYST Trading name
  • CATALYST PROPERTY FINANCE Trading name

Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
10918030
Company status
Active
Company type
Private limited company
Incorporated
16 August 2017 (9 years old)
Registered office
3rd Floor, Taylors House, Dean Park Crescent, Bournemouth, BH1 1HL, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Chris Fairfax Director Mar 1985 16 Aug 2017 5 other companies
Peter Simon Ball Director Jul 1968 10 Jul 2025 10 other companies
Nicola Ruth Townsend Secretary Not published 10 Jul 2025 –

Other companies run by these 2 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
15
closed down
2
are FCA-registered
3

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2024Full accountsNot audited

Net assets

£2.73m

−37% from £4.34m

Cash at bank

£25.2k

−89% from £231k

Employees (average)

27

+3.8% from 26

Owed within a year

£145k

−45% from £263k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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.

Accounts filed at Companies House for company 10918030. 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

We Are Catalyst’s history from the FCA register and Companies House, newest first.

Key events (11) All events (25)

2025

10 July 2025

  • Arlan Holdings Limited stopped being a part-owner
  • Fhl Finance Limited took control (75–100% of shares)
  • Joanne Fairfax stopped being a part-owner

Companies House

2021

1 September 2021

  • Registered with the FCA

FCA register

28 April 2021

  • Chris Fairfax stopped being a part-owner
  • Joanne Fairfax became a part-owner (25–50% of shares)

Companies House

2 March 2021

  • Arlan Holdings Limited became a part-owner (25–50% of shares)
  • Paul Robert McGonigle stopped being a part-owner

Companies House

2017

16 August 2017

  • Incorporated at Companies House
  • Chris Fairfax became a part-owner (25–50% of shares)
  • Paul Robert McGonigle became a part-owner (25–50% of shares)

Companies House

In the full report: all 25 events

  • All 25 events in its history (11 shown here)
  • Every director appointment and resignation: 12
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Firms connected to We Are Catalyst

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

past links
3

In the full report: all 0 connected firms, named

  • 3 past links through former directors
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Get the full report on We Are Catalyst

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 25 events in its history

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Frequently asked questions about this firm

Is We Are Catalyst Limited FCA authorised?
We Are Catalyst Limited (FRN 954273) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is We Are Catalyst’s phone number and website?
The FCA register lists the phone number 01202 112900 and the website catalystpf.co.uk for We Are Catalyst. If you were given different contact details, use these to check with the firm before going any further.
Is We Are Catalyst a scam or clone?
We Are Catalyst is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with We Are Catalyst?
Money you hand to We Are Catalyst is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns We Are Catalyst?
We Are Catalyst is owned by Fhl Finance Limited, which holds 75–100% of shares, since 10 July 2025. Before that, it was controlled by Mr Chris Fairfax, Mr Paul Robert McGonigle and Dr Joanne Fairfax.
Who runs We Are Catalyst?
Companies House lists 2 directors of We Are Catalyst: Chris Fairfax and Peter Simon Ball.
How long has We Are Catalyst been in business?
The company was formed on 16 August 2017.
What do We Are Catalyst’s latest accounts show?
Its latest accounts, to 30 September 2024, show net assets of £2.73m (−37% from £4.34m) and cash at bank of £25.2k (−89% from £231k).
Does We Are Catalyst use any other names?
It trades as CATALYST and CATALYST PROPERTY FINANCE.

Sources and links

The full report on We Are Catalyst Limited

£19.99 · Instant PDF download

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