Arco Commercial Finance Ltd

Reference number: 726303

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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 arcofinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3397 7055 is
  • Who else gives the postcode SG13 7NN
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Other names (1)

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

  • Arco Finance Trading name

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
08069633
Company status
Active
Company type
Private limited company
Incorporated
15 May 2012 (14 years old)
Registered office
Suite 222 Cuffley Point Cuffley Place, Sopers Road, Cuffley, Hertfordshire, EN6 4RY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Nino Panayiotou Athanasiou Director May 1965 15 May 2012 7 other companies
Colin James Bell Director Jan 1963 15 May 2012 7 other companies
Georgina Lysandrou Director Jun 1964 11 Feb 2015 None

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
8
closed down
7
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 6 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Abridged accountsNot audited

Net assets

£1,273

−52% from £2,632

Cash at bank

£1,494

−66% from £4,433

Employees (average)

1

Same as 1

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 08069633. 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

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

Key events (5) All events (13)

2016

31 May 2016

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

FCA register

16 May 2016

  • Colin James Bell became a part-owner (25–50% of shares)
  • Georgina Lysandrou became a part-owner (25–50% of shares)

Companies House

2012

15 May 2012

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Arco Commercial Finance

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

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Arco Commercial Finance

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

In the Stevenage (SG) postcode area

Andrew PlattsWareAuthorisedAsb Luxury LimitedHertfordAuthorisedAzure Financial Solutions LimitedStanstead AbbottsAuthorisedC SaundersHitchinAuthorisedCarbon FC (Cambridge) LtdHertfordAuthorisedDamien CumingBiggleswadeAuthorised

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 Arco Commercial Finance

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Arco Commercial Finance Ltd FCA authorised?
Yes, Arco Commercial Finance Ltd (FRN 726303) 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 no limits on its permissions.
What is Arco Commercial Finance’s phone number and website?
The FCA register lists the phone number 020 3397 7055 and the website arcofinance.co.uk for Arco Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Arco Commercial Finance a scam or clone?
Arco Commercial Finance 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 Arco Commercial Finance?
It may control client money but not hold it. Protection depends on which product you hold and how Arco Commercial Finance handles your money, so check the specific product before you commit. You can also refer complaints about Arco Commercial Finance to the Financial Ombudsman Service, free of charge.
Who owns Arco Commercial Finance?
Companies House lists 2 people with significant control of Arco Commercial Finance: Mr Colin James Bell (25–50% of shares) and Mrs Georgina Lysandrou (25–50% of shares).
Who runs Arco Commercial Finance?
Companies House lists 3 directors of Arco Commercial Finance: Nino Panayiotou Athanasiou, Colin James Bell and Georgina Lysandrou.
How long has Arco Commercial Finance been in business?
The company was formed on 15 May 2012, and has held its current FCA authorisation since May 2016.
What do Arco Commercial Finance’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £1,273 (−52% from £2,632) and cash at bank of £1,494 (−66% from £4,433).
Does Arco Commercial Finance use any other names?
It trades as Arco Finance.

Sources and links

The full report on Arco Commercial Finance Ltd

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