Bithell Asset Finance Solutions Ltd

Reference number: 649139

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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 bafinancesolutions.com first appeared online, and whether it can receive email
  • What kind of line 07731 849438 is
  • Who else gives the postcode DG1 2QF
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Other names (4)

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

  • BAFS Trading name
  • BDFS Former trading name
  • Bithell Davies Funding Solutions Former trading name
  • Isle Finance Former 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

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.

Companies House record

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

Company number
SC482478
Company status
Active
Company type
Private limited company
Incorporated
18 July 2014 (12 years old)
Registered office
68 St. Michael Street, Dumfries, DG1 2QF, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jack Bithell Director Sep 1986 18 Jul 2014 1 other company
Joanna Mary Bithell Director Apr 1986 1 Aug 2020 1 other company
Joanna Mary Bithell Secretary Not published 18 Jul 2014 –

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 company
1
still active
1
run together
1

In the full report: all 1 company, 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 July 2025Full accountsNot audited

Net assets

£53.0k

−42% from £90.8k

Cash at bank

£15.7k

−67% from £47.6k

Owed within a year

£115k

+9.1% from £106k

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 SC482478. 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

Bithell Asset Finance Solutions’s history from the FCA register and Companies House, newest first.

Key events (6) All events (19)

2020

1 August 2020

  • Joanna Mary Bithell became a part-owner (25–50% of shares)

Companies House

2016

1 July 2016

  • Jack Bithell became a part-owner (25–50% of shares)

Companies House

2015

15 October 2015

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

23 April 2015

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

FCA register

2014

18 July 2014

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Bithell Asset Finance Solutions

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

connected firms
2
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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Firms like Bithell Asset Finance Solutions

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

In Dumfries

Christopher PicklesDumfriesAuthorisedDavid James ArmstrongDumfriesAuthorisedJohn HoustonDumfriesAuthorisedRobert HandleyDumfriesAuthorisedsamuel alexander balmerDumfriesAuthorisedTimothy HirstDumfriesAuthorised

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 Bithell Asset Finance Solutions

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 19 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bithell Asset Finance Solutions Ltd FCA authorised?
Yes, Bithell Asset Finance Solutions Ltd (FRN 649139) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Bithell Asset Finance Solutions’ phone number and website?
The FCA register lists the phone number 07731 849438 and the website bafinancesolutions.com for Bithell Asset Finance Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Bithell Asset Finance Solutions a scam or clone?
Bithell Asset Finance Solutions 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 Bithell Asset Finance Solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Bithell Asset Finance Solutions handles your money, so check the specific product before you commit. You can also refer complaints about Bithell Asset Finance Solutions to the Financial Ombudsman Service, free of charge.
Who owns Bithell Asset Finance Solutions?
Companies House lists 2 people with significant control of Bithell Asset Finance Solutions: Mrs Joanna Mary Bithell (25–50% of shares) and Mr Jack Bithell (25–50% of shares).
Who runs Bithell Asset Finance Solutions?
Companies House lists 2 directors of Bithell Asset Finance Solutions: Jack Bithell and Joanna Mary Bithell.
How long has Bithell Asset Finance Solutions been in business?
The company was formed on 18 July 2014, and has held its current FCA authorisation since April 2015.
What do Bithell Asset Finance Solutions’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £53.0k (−42% from £90.8k) and cash at bank of £15.7k (−67% from £47.6k).
Does Bithell Asset Finance Solutions use any other names?
It trades as BAFS. It has previously used 3 other names: BDFS, Bithell Davies Funding Solutions and Isle Finance.

Sources and links

The full report on Bithell Asset Finance Solutions Ltd

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