Adaptive Money Limited

Reference number: 742156

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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

AFS Compliance Ltd Reference number: 625035 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.
  • Adaptive Money Limited (FRN 742156) is an AR of AFS Compliance Ltd (FRN 625035). When you use Adaptive Money's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Adaptive Money, 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.

  • No website on the FCA register

  • Phone number

    0161 343 4141

  • Address

    The Old Chapel, Oaken Clough, Ashton-under-Lyne, Lancashire, OL7 9NX, United Kingdom

In the full report: 2 background checks

  • What kind of line 0161 343 4141 is
  • Who else gives the postcode OL7 9NX
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Other names (3)

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

  • Charles Derby Commercial Trading name
  • Synergy Commercial Finance Trading name
  • Synergy Regulated Finance Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
09555191
Company status
Active
Company type
Private limited company
Incorporated
22 April 2015 (11 years old)
Registered office
The Old Chapel, Oaken Clough, Ashton-Under-Lyne, Lancashire, OL7 9NX, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Karen Marie Ball Director Jun 1970 22 Apr 2015 2 other companies
Sarah Elizabeth Bradwell Director Dec 1970 22 Apr 2015 1 other company

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
2
closed down
1
run together
1

In the full report: all 2 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Net assets

£21.1k

−78% from £97.3k

Cash at bank

£41.6k

+33% from £31.2k

Employees (average)

4

Same as 4

Owed within a year

£101k

+6.2% from £95.4k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 09555191. 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

Adaptive Money’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2016

30 June 2016

  • Karen Marie Ball became a part-owner (25–50% of shares)
  • Sarah Elizabeth Bradwell became a part-owner (25–50% of shares)

Companies House

30 March 2016

  • Became an appointed representative

FCA register

2015

22 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Adaptive Money

Other firms of the same type (mortgage adviser or broker), nearest first.

In Ashton-under-Lyne

Aaron GibsonAshton-under-LyneAppointed representativeWhitecliffe Finance LtdAshton-Under-LyneAppointed representativeTameside Pergolas LtdAshton-under-LyneAppointed representativeClear Mortgages (NW) LtdAshton-under-LyneAuthorised

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 Adaptive Money

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Adaptive Money Limited FCA authorised?
Adaptive Money Limited (FRN 742156) 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 Adaptive Money?
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. Adaptive Money Limited (FRN 742156) is an AR of AFS Compliance Ltd (FRN 625035). When you use Adaptive Money's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Adaptive Money, 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 Adaptive Money’s phone number?
The FCA register lists the phone number 0161 343 4141 for Adaptive Money. If you were given different contact details, use these to check with the firm before going any further.
Is Adaptive Money a scam or clone?
Adaptive Money 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 Adaptive Money?
Protection works through AFS Compliance Ltd, the principal firm responsible for Adaptive Money's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Adaptive Money?
Companies House lists 2 people with significant control of Adaptive Money: Mrs Sarah Elizabeth Bradwell (25–50% of shares) and Ms Karen Marie Ball (25–50% of shares).
Who runs Adaptive Money?
Companies House lists 2 directors of Adaptive Money: Karen Marie Ball and Sarah Elizabeth Bradwell.
How long has Adaptive Money been in business?
The company was formed on 22 April 2015.
What do Adaptive Money’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £21.1k (−78% from £97.3k) and cash at bank of £41.6k (+33% from £31.2k).
Does Adaptive Money use any other names?
It trades as Charles Derby Commercial, Synergy Commercial Finance and Synergy Regulated Finance.

Sources and links

The full report on Adaptive Money Limited

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