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.
- Registered for 7 years
- No FCA actions
- Active company since 2018
- Accounts filed up to 31 December 2025
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.
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No website on the FCA register
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No phone number on the FCA register
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Address
First Floor Steeple House, Church Lane, Chelmsford, Essex, CM1 1NH, United Kingdom
In the full report: 1 background check
- Who else gives the postcode CM1 1NH
Other names (1)
If you were contacted under any of these names, it is this firm.
- 4syte Structured Finance Ltd Former name: A name it was registered under before.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis 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
- 11612873 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 October 2018 (8 years old)
- Registered office
- Second Floor Steeple House, Church Lane, Chelmsford, Essex, CM1 1NH, England
- Nature of business
-
- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Magnus Ingolf Gundersen | Director | May 1972 | 9 Oct 2018 | 2 other companies |
| Nicholas Anthony Sellars | Director | Feb 1961 | 9 Oct 2018 | 2 other companies |
| Paul Michael Barker | Director | Aug 1980 | 21 Jan 2019 | 15 other companies |
| Paul Fenton | Director | Sep 1978 | 21 Jan 2019 | None |
| Catherine Jane Price | Director | Dec 1971 | 2 Aug 2019 | 5 other companies |
Other companies run by these 5 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
- 20
- closed down
- 1
- went insolvent
- 1
In the full report: all 20 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 12 on the FCA register
- The 3 companies these 5 directors run together
Filed accounts and finances
Net assets
£1.93m
−20% from £2.41m
Cash at bank
£933k
+244% from £272k
Owed within a year
£325k
+22% from £266k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2019 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.
Accounts filed at Companies House for company 11612873. 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 Secured Finance’s history from the FCA register and Companies House, newest first.
2024
22 February 2024
- Changed its registered name from "4syte Structured Finance Ltd"
FCA register
2019
21 August 2019
- Registered with the FCA
FCA register
2 August 2019
- Magnus Ingolf Gundersen stopped being a part-owner
- Marjorie Ellen Hogan gained significant control
- Marjorie Hogan gained significant control
- Marjorie Hogan no longer has significant control
Companies House
2018
9 October 2018
- Incorporated at Companies House
- 4syte Limited became a part-owner (25–50% of shares)
- Magnus Ingolf Gundersen became a part-owner (25–50% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (9 shown here)
- Every director appointment and resignation: 5
Firms connected to 4syte Secured Finance
Other FCA-listed firms that share a director, phone number or address with 4syte Secured Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 12
- share its postcode
- 11
In the full report: all 12 connected firms, named
- How each is linked: shared directors (12), the same postcode (11)
- Who links each one: the named directors, with dates
Get the full report on 4syte Secured Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 20 other companies its directors have run, named
- 1 background check on its contact details
- 6 years of accounts, charted
- All 14 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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Does 4syte Secured Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk