4Syte Lending Ltd

Reference number: 622653

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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 4syte.co.uk first appeared online, and whether it can receive email
  • What kind of line 01245 377032 is, and the other firm that gives it
  • Who else gives the postcode CM1 1NH
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Other names (4)

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

  • 4Style Lending Ltd Former name
  • 4Syte Construction Limited Former name
  • Cirrus 4Syte Limited Former name
  • Cirrus Construction Finance Ltd Former 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
08980337
Company status
Active
Company type
Private limited company
Incorporated
7 April 2014 (12 years old)
Registered office
Second Floor Steeple House, Church Lane, Chelmsford, Essex, CM1 1NH, England
Nature of business
  • Factoring (SIC 64992)

Directors and company secretaries

Name Role Born Appointed Other companies
Nick Sellars Director Feb 1961 16 Jun 2017 None
Paul Michael Barker Director Aug 1980 16 Jun 2017 15 other companies
Magnus Ingolf Gundersen Director May 1972 16 Jun 2017 26 other companies

Other companies run by these 3 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
29
closed down
2
went insolvent
1

In the full report: all 29 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 11 on the FCA register
  • The 12 companies these 3 directors run together
  • All 14 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2022Full accountsNot audited

Total equity

−£236k

Up £3,904 from −£240k

Cash at bank

£6,911

+20% from £5,737

Employees (average)

4

Same as 4

Owed within a year

£244k

−1.4% from £248k

Total equity is negative: on its last balance sheet the company owed £236k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • 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 08980337. 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

4Syte Lending’s history from the FCA register and Companies House, newest first.

Key events (11) All events (36)

2024

9 April 2024

  • Changed its registered name from "4Style Lending Ltd"

FCA register

5 April 2024

  • Changed its registered name from "4Syte Construction Limited"

FCA register

2019

18 July 2019

  • Changed its registered name from "Cirrus 4Syte Limited"

FCA register

2018

6 December 2018

  • 4syte Limited took control (75–100% of shares)

Companies House

5 December 2018

  • Timothy David Shore stopped being a part-owner
  • Wayne Shore stopped being a part-owner

Companies House

2017

19 June 2017

  • Changed its registered name from "Cirrus Construction Finance Ltd"

FCA register

2016

6 April 2016

  • Timothy David Shore became a part-owner (25–50% of shares)
  • Wayne Shore became a part-owner (25–50% of shares)

Companies House

2014

6 May 2014

  • Registered with the FCA

FCA register

7 April 2014

  • Incorporated at Companies House

Companies House

In the full report: all 36 events

  • All 36 events in its history (11 shown here)
  • Every director appointment and resignation: 25
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Firms connected to 4Syte Lending

Other FCA-listed firms that share a director, phone number or address with 4Syte Lending. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
12
share a director
11
share its phone number
1

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (11), the same phone number (1), the same postcode (11)
  • Who links each one: the named directors, with dates
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Get the full report on 4Syte Lending

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

  • 29 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 36 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is 4Syte Lending Ltd FCA authorised?
4Syte Lending Ltd (FRN 622653) 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 4Syte Lending’s phone number and website?
The FCA register lists the phone number 01245 377032 and the website 4syte.co.uk for 4Syte Lending. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is 4Syte Lending a scam or clone?
4Syte Lending 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 4Syte Lending?
Money you hand to 4Syte Lending 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 4Syte Lending?
4Syte Lending is owned by 4syte Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 December 2018. Before that, it was controlled by Mr Wayne Shore and Mr Timothy David Shore.
Who runs 4Syte Lending?
Companies House lists 3 directors of 4Syte Lending: Nick Sellars, Paul Michael Barker and Magnus Ingolf Gundersen.
How long has 4Syte Lending been in business?
The company was formed on 7 April 2014.
What do 4Syte Lending’s latest accounts show?
Its latest accounts, to 31 December 2022, show total equity of −£236k (up £3,904 from −£240k) and cash at bank of £6,911 (+20% from £5,737).
Does 4Syte Lending use any other names?
It has previously used 4 other names, including 4Style Lending Ltd, 4Syte Construction Limited and Cirrus 4Syte Limited.

Sources and links

The full report on 4Syte Lending Ltd

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