Advantage Finance & Leasing Limited

Reference number: 648660

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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 advfl.com first appeared online, and whether it can receive email
  • What kind of line 07584 427373 is
  • Who else gives the postcode DY5 1XG
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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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
03395285
Company status
Active
Company type
Private limited company
Incorporated
30 June 1997 (29 years old)
Registered office
Admiral House, Waterfront East, Brierley Hill, West Midlands, DY5 1XG, England
Nature of business
  • Financial leasing (SIC 64910)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Rinku Banga Director Oct 1982 9 Jun 2015 17 other companies
Harminder Nagra Director Nov 1983 25 Oct 2017 3 other companies
Ravindar Singh Banga Director Sep 1951 12 Sep 2024 19 other companies

Other companies run by these 3 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
34
closed down
14
went insolvent
1

In the full report: all 34 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 5 companies these 3 directors run together
  • All 13 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

−£3,208

Down £1,236 from −£1,972

Cash at bank

£1,000

Same as £1,000

Employees (average)

4

+33% from 3

Owed within a year

£4,208

+42% from £2,972

Total equity is negative: on its last balance sheet the company owed £3,208 more than it owned.

Total equity

In the full report: all 8 years of accounts

  • Every year from 2018 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 03395285. 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

Advantage Finance & Leasing’s history from the FCA register and Companies House, newest first.

Key events (11) All events (34)

2023

15 March 2023

  • B4u Group Public Limited Company stopped being the majority owner
  • Harjinder Kaur Banga became a part-owner (25–50% of shares)
  • Ravindar Singh Banga became a part-owner (25–50% of shares)

Companies House

2022

1 August 2022

  • B4u Group Public Limited Company became the majority owner (50–75% of shares)

Companies House

2016

14 October 2016

  • Saleem Arif no longer has significant control

Companies House

12 October 2016

  • Rinku Banga became a part-owner (25–50% of shares)

Companies House

14 September 2016

  • Saleem Arif gained significant control

Companies House

2014

27 October 2014

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2013

30 August 2013

  • Board replaced: both directors left and 3 new directors took over

Companies House

1997

30 June 1997

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (11 shown here)
  • Every director appointment and resignation: 21
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Firms like Advantage Finance & Leasing

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

In Brierley Hill

Nordic Timber Buildings LimitedBrierley HillAppointed representative

In the Dudley (DY) postcode area

Chipsaway International LtdKidderminsterAuthoriseddean scott ThompsonTiptonAuthorisedDolphin Asset FinanceKidderminsterAuthorisedIan Michael ParkesDudleyAuthorisedInstant Business Manager LimitedDudleyAuthorised

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 Advantage Finance & Leasing

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

  • 34 other companies its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 34 events in its history

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Frequently asked questions about this firm

Is Advantage Finance & Leasing Limited FCA authorised?
Yes, Advantage Finance & Leasing Limited (FRN 648660) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2014 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Advantage Finance & Leasing’s phone number and website?
The FCA register lists the phone number 07584 427373 and the website advfl.com for Advantage Finance & Leasing. If you were given different contact details, use these to check with the firm before going any further.
Is Advantage Finance & Leasing a scam or clone?
Advantage Finance & Leasing 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 Advantage Finance & Leasing?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Advantage Finance & Leasing handles your money, so check the specific product before you commit. You can also refer complaints about Advantage Finance & Leasing to the Financial Ombudsman Service, free of charge.
Who owns Advantage Finance & Leasing?
Companies House lists 3 people with significant control of Advantage Finance & Leasing: Mrs Harjinder Kaur Banga (25–50% of shares), Mr Ravindar Singh Banga (25–50% of shares) and Miss Rinku Banga (25–50% of shares). Before that, it was controlled by B4u Group Public Limited Company and Mr Saleem Arif.
Who runs Advantage Finance & Leasing?
Companies House lists 3 directors of Advantage Finance & Leasing: Rinku Banga, Harminder Nagra and Ravindar Singh Banga.
How long has Advantage Finance & Leasing been in business?
The company was formed on 30 June 1997, and has held its current FCA authorisation since October 2014.
What do Advantage Finance & Leasing’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of −£3,208 (down £1,236 from −£1,972) and cash at bank of £1,000 (same as £1,000).

Sources and links

The full report on Advantage Finance & Leasing Limited

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