ACAI Finance

Reference number: 991865

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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.

  • No website on the FCA register

  • Phone number

    020 7478 8588

  • Address

    8, Sackville Street, London, W1S 3DG, London, Middlesex, W1S 3DG, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 7478 8588 is
  • Who else gives the postcode W1S 3DG
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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 name
ACAI FINANCE LTD
Company number
14459453
Company status
Active
Company type
Private limited company
Incorporated
2 November 2022 (3 years old)
Registered office
8 Sackville Street, London, W1S 3DG, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Annette Jill Dalah Director Nov 1977 2 Nov 2022 74 other companies
Alan Gabbay Director Jan 1984 2 Nov 2022 92 other companies
David Selim Gabbay (Dr) Director Mar 1944 2 Nov 2022 12 other companies
Caroline Hanouka Director Sep 1979 2 Nov 2022 55 other companies

Other companies run by these 4 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
112
closed down
35
went insolvent
1

In the full report: all 112 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 74 companies these 4 directors run together
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Filed accounts and finances

Year to 28 February 2026Dormant company accountsNot audited

Net assets

−£13.2k

Same as −£13.2k

Employees (average)

0

−100% from 4

Owed within a year

£13.2k

Same as £13.2k

Net assets are negative: on its last balance sheet the company owed £13.2k more than it owned.

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

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 14459453. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (3) All events (7)

2023

9 March 2023

  • Registered with the FCA

FCA register

2022

2 November 2022

  • Incorporated at Companies House
  • Acai Group Holdings Limited took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 4
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Firms connected to ACAI Finance

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on ACAI Finance

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

  • 112 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 7 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is ACAI Finance FCA authorised?
ACAI Finance (FRN 991865) 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 ACAI Finance’s phone number?
The FCA register lists the phone number 020 7478 8588 for ACAI Finance. If you were given different contact details, use these to check with the firm before going any further.
Is ACAI Finance a scam or clone?
ACAI Finance 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 ACAI Finance?
Money you hand to ACAI Finance 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 ACAI Finance?
ACAI Finance is owned by Acai Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 November 2022.
Who runs ACAI Finance?
Companies House lists 4 directors of ACAI Finance: Annette Jill Dalah, Alan Gabbay, David Selim Gabbay (Dr) and Caroline Hanouka.
How long has ACAI Finance been in business?
The company was formed on 2 November 2022.
What do ACAI Finance’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of −£13.2k (same as −£13.2k).

Sources and links

The full report on ACAI Finance

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