Woburn Finance Ltd

Reference number: 1012274

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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

Astute Mortgages Ltd Reference number: 974763 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.
  • Woburn Finance Ltd (FRN 1012274) is an AR of Astute Mortgages Ltd (FRN 974763). When you use Woburn Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Woburn 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.

In the full report: 3 background checks

  • When woburnfinance.com first appeared online, and whether it can receive email
  • What kind of line 07841 666826 is
  • Who else gives the postcode MK11 4DH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Astute Mortgages 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
14618352
Company status
Active
Company type
Private limited company
Incorporated
26 January 2023 (3 years old)
Registered office
30 Marius Grove, Fairfields, Milton Keynes, MK11 4DH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Micheal Stephen Flynn Director Jan 1987 26 Jan 2023 None
Nathan Bissett Director Oct 1992 17 Feb 2023 None
Chloe Victoria Elizabeth Flynn Director Jul 1991 18 Jul 2023 None
Karolina Reczkowska Director Oct 1994 18 Jul 2023 None

In the full report: every company its directors have run

  • Confirmation that these 4 directors run no other company
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Filed accounts and finances

Year to 31 January 2025Micro-entity accountsNot audited

Net assets

−£59.9k

Down £11.4k from −£48.6k

Employees (average)

4

Same as 4

Owed within a year

£83.4k

+54% from £54.2k

Net assets are negative: on its last balance sheet the company owed £59.9k more than it owned.

Assets and liabilities

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 14618352. 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

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

Key events (4) All events (8)

2024

20 June 2024

  • Became an appointed representative

FCA register

2023

18 July 2023

  • Nathan Clarke became a part-owner (25–50% of shares)

Companies House

26 January 2023

  • Incorporated at Companies House
  • Micheal Stephen Flynn became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms like Woburn Finance

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

In Milton Keynes

Scania Finance Great Britain LimitedMilton KeynesAppointed representativeConnells ResidentialMilton KeynesAppointed representativeA J Mobility LtdMilton KeynesAppointed representativeAccessible Insurance Services LTDMilton KeynesAppointed representativeAccord Insurance Brokers LtdMilton KeynesAppointed representativeAmanda Bish-JonesMilton KeynesAppointed 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 Woburn Finance

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 8 events in its history

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Frequently asked questions about this firm

Is Woburn Finance Ltd FCA authorised?
Woburn Finance Ltd (FRN 1012274) 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 Woburn 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. Woburn Finance Ltd (FRN 1012274) is an AR of Astute Mortgages Ltd (FRN 974763). When you use Woburn Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Woburn 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 Woburn Finance’s phone number and website?
The FCA register lists the phone number 07841 666826 and the website woburnfinance.com for Woburn Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Woburn Finance a scam or clone?
Woburn 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 Woburn Finance?
Protection works through Astute Mortgages Ltd, the principal firm responsible for Woburn Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Woburn Finance?
Companies House lists 2 people with significant control of Woburn Finance: Mr Micheal Stephen Flynn (25–50% of shares) and Mr Nathan Clarke (25–50% of shares).
Who runs Woburn Finance?
Companies House lists 4 directors of Woburn Finance: Micheal Stephen Flynn, Nathan Bissett, Chloe Victoria Elizabeth Flynn and Karolina Reczkowska.
How long has Woburn Finance been in business?
The company was formed on 26 January 2023.
What do Woburn Finance’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of −£59.9k (down £11.4k from −£48.6k).

Sources and links

The full report on Woburn Finance Ltd

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