ADV Finance Ltd

Reference number: 726319

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 advfinance.uk first appeared online, and whether it can receive email
  • What kind of line 020 8720 6780 is
  • Who else gives the postcode SK1 1AR
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Other names (20)

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

  • broadsmile.co.uk Trading name
  • coverfinance.co.uk Trading name
  • credit2u.co.uk Trading name
  • credit4me.co.uk Trading name
  • creditloading.co.uk Trading name
  • financialneeds.uk Trading name
  • fundsplus.co.uk Trading name
  • getacredit.co.uk Trading name
  • handyway.co.uk Trading name
  • iconicday.co.uk Trading name
  • luckyFinance.org Trading name
  • moneycity.org Trading name
  • moneydistrict.co.uk Trading name
  • mrloans.net Trading name
  • quidloan.co.uk Trading name
  • swiftday.co.uk Trading name
  • topupfinance.co.uk Trading name
  • wagehelp.co.uk Trading name
  • waycompare.com Former trading name
  • waycompare.co.uk Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 0161 818 4568
Fake email addresses (2)
  • michael.rutherford1244@gmail.com
  • samathawoodcock1990@gmail.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (1 permission)
  • Credit Broking

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09830846
Company status
Active
Company type
Private limited company
Incorporated
19 October 2015 (11 years old)
Registered office
Bank Chambers, St. Petersgate, Stockport, SK1 1AR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Management consultancy activities other than financial management (SIC 70229)
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Eugenio Boccuto Director May 1979 19 Oct 2015 4 other companies
Sandra Sica Director Apr 1976 19 Oct 2015 5 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
6
closed down
4
is FCA-registered
1

In the full report: all 6 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 one on the FCA register
  • The 3 companies these 2 directors run together
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

−£10.9k

Up £7,722 from −£18.6k

Employees (average)

1

Same as 1

Owed within a year

£1,861

+7.4% from £1,732

Net assets are negative: on its last balance sheet the company owed £10.9k more than it owned.

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09830846. 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

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

Key events (7) All events (33)

2020

18 November 2020

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

12 May 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

6 April 2016

  • Eugenio Boccuto became the majority owner (50–75% of shares)
  • Sandra Sica became a part-owner (25–50% of shares)

Companies House

2015

19 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 33 events

  • All 33 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to ADV Finance

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

connected firms
5
share a director
1
share its postcode
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (1), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like ADV Finance

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

In Stockport

Bmg Fg (UK) LimitedStockportAuthoriseddavid john eastwoodStockportAuthorisedJames Elliott ClareStockportAuthorisedJohnson Reed LimitedStockportAuthorisedLandmark Finance LimitedStockportAuthorisedMark ScottStockportAuthorised

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 ADV Finance

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 33 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is ADV Finance Ltd FCA authorised?
Yes, ADV Finance Ltd (FRN 726319) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a credit broker. The FCA has placed a limit on what it may do.
What is ADV Finance’s phone number and website?
The FCA register lists the phone number 020 8720 6780 and the website advfinance.uk for ADV Finance. If you were given different contact details, use these to check with the firm before going any further.
Is ADV Finance a scam or clone?
Scammers have impersonated ADV Finance: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for ADV Finance, shown on this page.
Is my money safe with ADV Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how ADV Finance handles your money, so check the specific product before you commit. You can also refer complaints about ADV Finance to the Financial Ombudsman Service, free of charge.
Who owns ADV Finance?
Companies House lists 2 people with significant control of ADV Finance: Mr Eugenio Boccuto (50–75% of shares) and Ms Sandra Sica (25–50% of shares).
Who runs ADV Finance?
Companies House lists 2 directors of ADV Finance: Eugenio Boccuto and Sandra Sica.
How long has ADV Finance been in business?
The company was formed on 19 October 2015, and has held its current FCA authorisation since May 2016.
What do ADV Finance’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of −£10.9k (up £7,722 from −£18.6k).
Does ADV Finance use any other names?
It trades as broadsmile.co.uk, coverfinance.co.uk, credit2u.co.uk, credit4me.co.uk and creditloading.co.uk, and 13 more names. It has previously used 2 other names: waycompare.com and waycompare.co.uk.

Sources and links

The full report on ADV Finance Ltd

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