Adlam Financial Limited

Reference number: 731638

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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.
  • Adlam Financial Limited (FRN 731638) is an AR of AFS Compliance Ltd (FRN 625035). When you use Adlam Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Adlam Financial, 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

    01325 540064

  • Address

    The Quadras Centre, Bolden Business Park, Bolden, NE35 9PF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01325 540064 is
  • Who else gives the postcode NE35 9PF
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Other names (2)

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

  • Advanced Funding Solutions Trading name
  • Synergy Commercial 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
09924372
Company status
Active
Company type
Private limited company
Incorporated
21 December 2015 (10 years old)
Registered office
Chrichard & Co, 23 Woodland Road, Darlington, DL3 7BJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Derek Adlam Director Jun 1987 21 Dec 2015 6 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
6
closed down
3
are FCA-registered
2

In the full report: all 6 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
  • The 2 on the FCA register, including one no longer authorised
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Filed accounts and finances

Year to 31 December 2024Abridged accountsNot audited

Net assets

£2,319

Up £2,161 from £158

Cash at bank

£104k

+8.6% from £96.2k

Employees (average)

1

Same as 1

Owed within a year

£130k

+83% from £71.1k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 09924372. 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

Adlam Financial’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2016

20 December 2016

  • Christopher Derek Adlam took control (75–100% of shares)

Companies House

12 January 2016

  • Became an appointed representative

FCA register

2015

21 December 2015

  • Incorporated at Companies House

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Adlam Financial

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

connected firms
2
no longer authorised
1
share a director
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Adlam Financial

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

In the Newcastle (NE) postcode area

1-2-1 Mortgages LtdSouth ShieldsAppointed representativeA Vickers LtdNewcastle Upon TyneAppointed representativeAlex HayesNewcastle upon TyneAppointed representativeArissa Financial ManagementNewcastle upon TyneAppointed representativeBell Mortgage Solutions LtdGatesheadAppointed representativeCarnegie Financial LtdAppointed 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 Adlam Financial

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

  • 6 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Adlam Financial Limited FCA authorised?
Adlam Financial Limited (FRN 731638) 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 Adlam Financial?
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. Adlam Financial Limited (FRN 731638) is an AR of AFS Compliance Ltd (FRN 625035). When you use Adlam Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Adlam Financial, 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 Adlam Financial’s phone number?
The FCA register lists the phone number 01325 540064 for Adlam Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Adlam Financial a scam or clone?
Adlam Financial 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 Adlam Financial?
Protection works through AFS Compliance Ltd, the principal firm responsible for Adlam Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Adlam Financial?
Companies House lists one person with significant control of Adlam Financial: Mr Christopher Derek Adlam (75–100% of shares).
Who runs Adlam Financial?
Companies House lists one director of Adlam Financial: Christopher Derek Adlam.
How long has Adlam Financial been in business?
The company was formed on 21 December 2015.
What do Adlam Financial’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £2,319 (up £2,161 from £158) and cash at bank of £104k (+8.6% from £96.2k).
Does Adlam Financial use any other names?
It trades as Advanced Funding Solutions and Synergy Commercial Finance.

Sources and links

The full report on Adlam Financial Limited

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