# FEAR FINANCIAL LTD (14965151)

> FEAR FINANCIAL LTD is an active private limited company (company number 14965151) incorporated on 27 June 2023, registered in Cwmbran. Its registered activity is activities of mortgage finance companies (SIC 64922). Latest micro accounts cover the period ending 31 December 2025, showing net assets of £31k, with 2 employees on average. As micro-entity accounts, no profit and loss account is filed, so turnover and profit are not public. Net assets rose 2713% on the prior period (−£1,196).

- Status: Active
- Incorporated: 2023-06-27
- Registered office: Cwmbran, NP44 3JS
- SIC 64922: Activities of mortgage finance companies
- Next accounts due: 2027-09-30
- Confirmation statement due: 2027-07-11
- Accounts type: MICRO ENTITY

By net assets it sits in the top quarter of 100 comparable companies in Cardiff (median £2,778, upper quartile £30k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-12-31 | £31k | — | — | £49k | — | — | 2 |
| 2024-06-30 | −£1,196 | — | — | £1,305 | — | — | — |

current ratio 1.64; size band micro.

## Filing and accounts signals (facts, not a rating)

- Net assets above zero: Net assets £31,250 at 31 December 2025
- Net assets up 10% or more on the prior period: +2712.9% vs prior period
- Current assets at least 1.5× creditors within one year: Current ratio 1.64
- Incorporated two to five years ago: Incorporated 27 June 2023

How each signal is derived: https://firmoscan.com/methodology

## Persons with significant control

- Mr Leigh Rowland — owns 25–50% of shares; holds 25–50% of voting rights, since 2023-06-27

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Source: Companies House register snapshot 2026-08-31, Open Government Licence v3.0. Information may have changed since that date and is not advice or a credit reference; check the official record before relying on it. Official record: https://find-and-update.company-information.service.gov.uk/company/14965151
HTML: https://firmoscan.com/company/14965151-fear-financial-ltd