ATF Finance LTD

Reference number: 798989

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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 atf-finance.com first appeared online, and whether it can receive email
  • What kind of line 020 3771 9653 is
  • Who else gives the postcode EC2V 6AA
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Other names (1)

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

  • Africa Trade Finance Limited Former name

FCA permissions and consumer protection

  • Investments & pensions FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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
09064326
Company status
Active
Company type
Private limited company
Incorporated
30 May 2014 (12 years old)
Registered office
C/O Forvis Mazars Llp The Pinnacle, 160 Midsummer Boulevard, Milton Keynes, Buckinghamshire, MK9 1FF, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Christian Karam Director Apr 1979 30 May 2014 4 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
4
closed down
2
still active
2

In the full report: all 4 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 31 December 2025Full accountsAudited

Net assets

£23.5m

Up £23.5m from −£35.4k

Cash at bank

£15.6m

+306% from £3.84m

Employees (average)

4

Same as 4

Owed within a year

£11.2m

−43% from £19.6m

The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £36.6m, for the year to 31 December 2024.

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.

Accounts filed at Companies House for company 09064326. 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

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

Key events (5) All events (8)

2024

2 January 2024

  • Changed its registered name from "Africa Trade Finance Limited"

FCA register

2018

3 July 2018

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

FCA register

2016

6 April 2016

  • Christian Karam took control (75–100% of shares)

Companies House

2014

30 May 2014

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Get the full report on ATF Finance

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

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

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Frequently asked questions about this firm

Is ATF Finance LTD FCA authorised?
Yes, ATF Finance LTD (FRN 798989) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2018. The FCA has placed no limits on its permissions.
What is ATF Finance’s phone number and website?
The FCA register lists the phone number 020 3771 9653 and the website atf-finance.com for ATF Finance. If you were given different contact details, use these to check with the firm before going any further.
Is ATF Finance a scam or clone?
ATF 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 ATF Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about ATF Finance to the Financial Ombudsman Service, free of charge.
Who owns ATF Finance?
Companies House lists one person with significant control of ATF Finance: Mr Christian Karam (75–100% of shares).
Who runs ATF Finance?
Companies House lists one director of ATF Finance: Christian Karam.
How long has ATF Finance been in business?
The company was formed on 30 May 2014, and has held its current FCA authorisation since July 2018.
What do ATF Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £23.5m (up £23.5m from −£35.4k) and cash at bank of £15.6m (+306% from £3.84m).
Does ATF Finance use any other names?
It has previously used the name Africa Trade Finance Limited.

Sources and links

The full report on ATF Finance LTD

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