Abn Finance Ltd

Reference number: 1064811

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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

FLEXI NETWORK LTD Reference number: 948658 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.
  • ABN FINANCE LTD (FRN 1064811) is an AR of FLEXI NETWORK LTD (FRN 948658). When you use ABN FINANCE's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ABN 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 abn-finance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07877 913881 is
  • Who else gives the postcode WD19 4FB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Flexi Network 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
14604160
Company status
Active
Company type
Private limited company
Incorporated
19 January 2023 (3 years old)
Registered office
3 Belvedere Court, Pinner Road, Watford, WD19 4FB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Niraj Kirit Govindji Shah Director Feb 1980 19 Jan 2023 8 other companies

Other companies run by its director

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
8
closed down
4
still active
4

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£390

Up £242 from £148

Employees (average)

0

Same as 0

Owed within a year

£1,114

Up £209 from £905

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 14604160. 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

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

Key events (5) All events (8)

2026

28 October 2026

  • Became an appointed representative

FCA register

2023

15 September 2023

  • Malini Chandrakant Shah stopped being a part-owner

Companies House

19 January 2023

  • Incorporated at Companies House
  • Malini Chandrakant Shah became a part-owner (25–50% of shares)
  • Niraj Kirit Govindji Shah took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Abn Finance

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

In Watford

West Hertfordshire Hospitals NHS TrustWatfordAppointed representativeCheck Financial LimitedWatfordAppointed representativeDecent Mortgages LtdWatfordAppointed representativeJC Property Consultancy LtdWatfordAppointed representativeJodi Pyle LimitedWatfordAppointed representativePP Associates LtdWatfordAppointed 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 Abn Finance

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

  • 8 other companies 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 Abn Finance Ltd FCA authorised?
Abn Finance Ltd (FRN 1064811) 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 Abn 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. Abn Finance Ltd (FRN 1064811) is an AR of FLEXI NETWORK LTD (FRN 948658). When you use Abn Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Abn 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 Abn Finance’s phone number and website?
The FCA register lists the phone number 07877 913881 and the website ABN-FINANCE.CO.UK for Abn Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Abn Finance a scam or clone?
Abn 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 Abn Finance?
Protection works through Flexi Network Ltd, the principal firm responsible for Abn Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Abn Finance?
Companies House lists one person with significant control of Abn Finance: Mr Niraj Kirit Govindji Shah (75–100% of shares). Before that, it was controlled by Mrs Malini Chandrakant Shah.
Who runs Abn Finance?
Companies House lists one director of Abn Finance: Niraj Kirit Govindji Shah.
How long has Abn Finance been in business?
The company was formed on 19 January 2023.
What do Abn Finance’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £390 (up £242 from £148).

Sources and links

The full report on Abn Finance Ltd

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