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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 October 2025
Responsible principal firm
AFS Compliance Ltd Reference number: 625035 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.
- Acorn Commercial Finance Ltd (FRN 955821) is an AR of AFS Compliance Ltd (FRN 625035). When you use Acorn Commercial Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Acorn Commercial 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.
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No website on the FCA register
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Phone number
-
Address
Unit 7, Chartergate, Clayfield Close, Moulton Park, Northampton, Northamptonshire, NN3 6QF, United Kingdom
In the full report: 2 background checks
- What kind of line 07951 449200 is
- Who else gives the postcode NN3 6QF
Other names (4)
If you were contacted under any of these names, it is this firm.
- Acorn Commercial Trading name: A name it trades under now.
- Asset Finance Solutions Trading name: A name it trades under now.
- Synergy Commercial Finance Trading name: A name it trades under now.
- MTD Finance Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through AFS Compliance 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, freeYou 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
- 12951774 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 October 2020 (6 years old)
- Registered office
- 7 Chartergate Clayfield Close, Moulton Park Industrial Estate, Northampton, NN3 6QF, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Benjamin Paul Chilvers | Director | Aug 1980 | 14 Oct 2020 | 7 other companies |
| Paul Scott Cox | Director | Feb 1962 | 14 Oct 2020 | 6 other companies |
Other companies run by these 2 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
- 9
- closed down
- 3
- run together
- 4
In the full report: all 9 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 4 companies these 2 directors run together
Filed accounts and finances
Net assets
£25.9k
−41% from £43.8k
Employees (average)
2
Same as 2
Owed within a year
−£88.4k
Down £38.9k from −£49.5k
Net assets
In the full report: all 5 years of accounts
- Every year from 2021 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 12951774. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Acorn Commercial Finance’s history from the FCA register and Companies House, newest first.
2021
30 July 2021
- Became an appointed representative
FCA register
2020
14 October 2020
- Incorporated at Companies House
- Benjamin Paul Chilvers became a part-owner (25–50% of shares)
- Paul Scott Cox became a part-owner (25–50% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Acorn Commercial Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Northampton
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 Acorn Commercial Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 9 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk