Angel Property Finance Limited

Reference number: 1023440

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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 angel-finance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 470 5781 is
  • Who else gives the postcode SK8 3FS
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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
13720740
Company status
Active
Company type
Private limited company
Incorporated
3 November 2021 (4 years old)
Registered office
Angel Property Finance South @ Cheadle Royal, Cheadle Royal Business Park, Cheadle, SK8 3FS, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Wayne Stephen Davies Director Sep 1987 3 Nov 2021 10 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
10
closed down
6
still active
4

In the full report: all 10 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
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Total equity

£69.8k

Up £68.9k from £833

Employees (average)

2

+100% from 1

Owed within a year

£2.09m

+92% from £1.09m

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13720740. 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

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

2025

1 December 2025

  • Apf Topco Limited took control (75–100% of shares)
  • Wayne Stephen Davies gave up control

Companies House

20 January 2025

  • Registered with the FCA

FCA register

2021

3 November 2021

  • Incorporated at Companies House
  • Wayne Stephen Davies took control (75–100% of shares)
  • Wayne Stephen Davies appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Angel Property Finance

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

connected firms
2
no longer authorised
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Angel Property Finance

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 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 Angel Property Finance Limited FCA authorised?
Angel Property Finance Limited (FRN 1023440) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Angel Property Finance’s phone number and website?
The FCA register lists the phone number 0161 470 5781 and the website angel-finance.co.uk for Angel Property Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Angel Property Finance a scam or clone?
Angel Property Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Angel Property Finance?
Money you hand to Angel Property Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Angel Property Finance?
Angel Property Finance is owned by Apf Topco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 December 2025. Before that, it was controlled by Mr Wayne Stephen Davies.
Who runs Angel Property Finance?
Companies House lists one director of Angel Property Finance: Wayne Stephen Davies.
How long has Angel Property Finance been in business?
The company was formed on 3 November 2021.
What do Angel Property Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show total equity of £69.8k (up £68.9k from £833).

Sources and links

The full report on Angel Property Finance Limited

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